| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | BOND BENEFITS 71A MONROE AVE PITTSFORD, NY 14534 | EXCELLUS BLUE CROSS BLUE SHIELD | $104K | — | $104K | 3.08% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | BOND BENEFITS 71A MONROE AVENUE PITTSFORD, NY 14534 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $3K | $14K | 6.13% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | BOND BENEFITS 71A MONROE AVE PITTSFORD, NY 14534 | EXCELLUS BLUE CROSS BLUE SHIELD | $9K | — | $9K | 5.16% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 10 NORTH PARK DR SUITE 200 HUNT VALLEY, MD 21030 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $11K | $3K | $14K | 18.18% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | C/O BOND BENEFITS CONSULTING 71A MONROE AVENUE PITTSFORD, NY 14534 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | D/B/A PREMIER CONSULTING ASSOCIATES 90A JOHN MUIR DR AMHERST, NY 14228 | METROPOLITAN LIFE INSURANCE COMPANY | $452 | $36 | $488 | 10.09% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | DBA CRAWFORD ADVISORS LLC 575 E SWEDESFORD RD SUITE 200 WAYNE, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $45 | $45 | 0.93% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | D/B/A PREMIER CONSULTING ASSOCIATES 90A JOHN MUIR DR AMHERST, NY 14228 | METROPOLITAN LIFE INSURANCE COMPANY | $479 | $36 | $515 | 12.54% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | DBA CRAWFORD ADVISORS LLC 575 E SWEDESFORD RD SUITE 200 WAYNE, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $38 | $38 | 0.93% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | D/B/A PREMIER CONSULTING ASSOCIATES 90A JOHN MUIR DR AMHERST, NY 14228 | METROPOLITAN LIFE INSURANCE COMPANY | $445 | $36 | $481 | 12.58% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | DBA CRAWFORD ADVISORS LLC 575 E SWEDESFORD RD SUITE 200 WAYNE, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $36 | $36 | 0.94% |
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 | 281 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 237 | $3.4M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 281 | $392K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 196 | $30K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 365 | $79K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 281 | $225K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 281 | $225K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 237 | $3.4M |
| Other(4 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 365 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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.