| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMS FINANCIAL SERVICES LLC3 Filed as: EMS FINANCIAL SERVICES, LLC | 6724 MAIN ST. WILLIAMSVILLE, NY 14221 | INDEPENDENT HEALTH BENEFITS CORPORATION | $45K | — | $45K | 2.19% |
| HEALTHNOW ADMINISTRATIVE SERVICES5 | 512 TOWNSHIP LINE ROAD VALLEY SQUARE OFFICE BUILDING 1 BLUE BELL, PA 19422 | HEALTHNOW ADMINISTRATIVE SERVICES | — | $16K | $16K | 6.45% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1060 BROADWAY SUITE 400 ALBANY, NY 122042507 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $16 | $8K | 4.59% |
| EMS FINANCIAL SERVICES LLC3 Filed as: EMS FINANCIAL SERVICES, LLC | 6724 MAIN ST. WILLIAMSVILLE, NY 14221 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 4.25% |
| EMS FINANCIAL SERVICES LLC3 Filed as: EMS FINANCIAL SERVICES, LLC | 6460 MAIN STREET WILLIAMSVILLE, NY 14221 | METROPOLITAN LIFE INSURANCE COMPANY | $11 | — | $11 | 0.01% |
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 | 338 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 338 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENT HEALTH BENEFITS CORPORATION | 243 | $2.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 254 | $165K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 254 | $165K |
| Other | HEALTHNOW ADMINISTRATIVE SERVICES | 308 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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."
No prospect flags tripped on this filing.