| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY, INC. | 285 DELAWARE AVE., SUITE 4000 BUFFALO, NY 14202 | HIGHMARK NEW YORK | $19K | — | $19K | 1.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | HIGHMARK NEW YORK | $18K | — | $18K | 1.57% |
| EMS FINANCIAL SERVICES LLC3 | 6724 MAIN ST WILLIAMSVILLE, NY 14221 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 3.21% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE 35, STE 368 WALL TOWNSHIP, NJ 07719 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $3K | $3K | 2.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | GERBER LIFE INSURANCE COMPANY | $2K | — | $2K | 3.99% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY, INC. | 285 DELAWARE AVE., SUITE 4000 BUFFALO, NY 14202 | GERBER LIFE INSURANCE COMPANY | $934 | — | $934 | 1.92% |
| EMS FINANCIAL SERVICES LLC3 | 6724 MAIN ST WILLIAMSVILLE, NY 14221 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 10.48% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE 35, STE 368 WALL TOWNSHIP, NJ 07719 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $2K | $2K | 5.00% |
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 | 161 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK NEW YORK | 241 | $1.1M |
| Dental(2 contracts, 2 carriers) | HIGHMARK NEW YORK | 241 | $1.2M |
| Vision | VISION SERVICE PLAN | 70 | $693 |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 328 | $36K |
| Prescription drug | HIGHMARK NEW YORK | 241 | $1.1M |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 352 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 352 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.