| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC BOND | BENEFITS CONSULTING 71A MONROE AVE PITTSFORD, NY 14534 | MVP HEALTH SERVICES CORP | $96K | — | $96K | 2.82% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC BOND | BENEFITS 71A MONROE AVENUE PITTSFORD, NY 14534 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $60K | $70K | 36.59% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | BOND BENEFITS 71A MONROE AVE PITTSFORD, NY 14534 | EXCELLUS BLUE CROSS BLUE SHIELD | $8K | — | $8K | 6.57% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 10 NORTH PARK STE 200 HUNT VALLEY, MD 21030 | SUN LIFE AND HEALTH INSURANCE COMPANY | $7K | — | $7K | 12.21% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | BOND BENEFITS CONSULTING 71 MONROE AVE PITTSFORD, NY 14534 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 9.33% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF VIRGINIA, LLC | 1007 BATTLEGROUND AVE STE 103 GREENSBORO, NC 27408 | METROPOLITAN LIFE INSURANCE COMPANY | — | $175 | $175 | 0.98% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 445 HAMILTON AVE FL 10 WHITE PLAINS, NY 10601 | METROPOLITAN LIFE INSURANCE COMPANY | — | $39 | $39 | 0.22% |
| AP BENEFIT ADVISORS, LLC3 | 90A JOHN MUIR DR AMHERST, NY 14228 | METROPOLITAN LIFE INSURANCE COMPANY | $719 | $18 | $737 | 10.32% |
| AP BENEFIT ADVISORS, LLC3 | 575 E SWEDESFORD RD STE 200 WAYNE, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $51 | $51 | 0.71% |
| AP BENEFIT ADVISORS, LLC3 | 718 RIVER RD FAIRHAVEN, NJ 07704 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2 | $2 | 0.03% |
| AP BENEFIT ADVISORS, LLC3 | 90A JOHN MUIR DR AMHERST, NY 14228 | METROPOLITAN LIFE INSURANCE COMPANY | $731 | $18 | $749 | 12.65% |
| AP BENEFIT ADVISORS, LLC3 | 575 E SWEDESFORD RD STE 200 WAYNE, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $39 | $39 | 0.66% |
| AP BENEFIT ADVISORS, LLC3 | 718 RIVER RD FAIRHAVEN, NJ 07704 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2 | $2 | 0.03% |
| AP BENEFIT ADVISORS, LLC3 | 90A JOHN MUIR DR AMHERST, NY 14228 | METROPOLITAN LIFE INSURANCE COMPANY | $615 | $18 | $633 | 12.80% |
| AP BENEFIT ADVISORS, LLC3 | 575 E SWEDESFORD RD STE 200 WAYNE, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $33 | $33 | 0.67% |
| AP BENEFIT ADVISORS, LLC3 | 718 RIVER RD FAIRHAVEN, NJ 07704 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1 | $1 | 0.02% |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTH SERVICES CORP | 371 | $3.4M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 168 | $306K |
| Vision(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 494 | $42K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 167 | $61K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 168 | $190K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 168 | $190K |
| Other(4 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 167 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 494 | — |
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.