| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC | $40K | $0 | $40K | 1.22% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY, LLC | 361 DELAWARE AVENUE BUFFALO, NY 14202 | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC | $14K | $0 | $14K | 0.43% |
| STEVEN GOODWIN3 Filed as: STEVEN D. GOODWIN | 5794 MAIN STREET WILLIAMSVILLE, NY 14221 | FIRST UNUM LIFE INSURANCE COMPANY | $32K | $0 | $32K | 10.64% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $16K | $16K | 5.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | DELTA DENTAL OF NEW YORK | $6K | $0 | $6K | 5.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $3K | $3K | 7.91% |
| STEVEN GOODWIN3 Filed as: STEVEN D. GOODWIN | 5794 MAIN STREET WILLIAMSVILLE, NY 14221 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3K | $0 | $3K | 7.34% |
| NEESENROLL3 | 65 BURBANK ROAD SUTTON, MA 01590 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $413 | $867 | $1K | 3.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $2K | $0 | $2K | 9.99% |
No Schedule C service providers reported on this filing.
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 | 310 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC | 479 | $3.3M |
| Dental | DELTA DENTAL OF NEW YORK | 436 | $115K |
| Vision | VISION SERVICE PLAN | 209 | $20K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 310 | $298K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 310 | $298K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 310 | $298K |
| Prescription drug | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC | 479 | $3.3M |
| Other(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 310 | $339K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 479 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.