| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHERIDAN BENEFITS LLC3 Filed as: SHERIDAN BENEFITS, LLC | 7 LIMESTONE DRIVE BUFFALO, NY 14221 | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | $19K | — | $19K | 1.47% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 7 LIMESTONE DRIVE BUFFALO, NY 14221 | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | $19K | — | $19K | 1.41% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1060 BROADWAY STE 400 ALBANY, NY 12204 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $613 | $4K | 5.77% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 7 LIMESTONE DR WILLIAMSVILLE, NY 14221 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 5.10% |
| SHERIDAN BENEFITS LLC3 Filed as: SHERIDAN BENEFITS, LLC | 7 LIMESTONE DRIVE WILLIAMSVILLE, NY 14221 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $70 | $4K | 11.32% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 5.40% |
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 | 201 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | 201 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 311 | $78K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 311 | $78K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 201 | $35K |
| Prescription drug | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | 201 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.