| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEDECKER-SAXE ASSOCIATES INC3 | 285 DELAWARE AVE BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $492K | $172K | $664K | 6.42% |
| DEDECKER-SAXE ASSOCIATES INC3 | 285 DELAWARE AVE BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $64K | $105K | $169K | 2.82% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY | 285 DELAWARE AVE SUITE 4000 BUFFALO, NY 14202 | ACE AMERICAN INSURANCE COMPANY | $6K | — | $6K | 18.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY | 285 DELAWARE AVE SUITE 4000 BUFFALO, NY 14202 | ARCH INSURANCE | $3K | — | $3K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $6.2M |
| INDEPENDANT HEALTH EIN 16-1237733 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | 511 FARBER LAKES DRIVE BUFFALO, NY 14221 | $2.6M |
| CVS CAREMARK EIN 05-0340626 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | 1 CVS DRIVE WOONSOCKET, RI 02895 | $800K |
| DELTA DENTAL EIN 11-1980218 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | 575 MADISON AVE NEW YORK, NY 10222 | $459K |
| UNUM LIFE INSURANCE CO OF AMERICA EIN 01-0278678 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | 1 FOUNTAIN SQUARE CHATTANOOGA, TN 37402 | $240K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 17,096 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 17,096 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 11,798 | $0 |
| Life insurance(4 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 17,686 | $16.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,686 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.