| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | P.O. BOX 4557 NEW YORK, NY 10249 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $28K | — | $28K | 3.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 300 AIRBORNE PKWY, STE 208 BUFFALO, NY 14225 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 1.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 199 SCOTT ST SUITE 800 BUFFALO, NY 14204 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $6K | — | $6K | 10.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 300 AIRBORNE PARKWAY, STE 208 BUFFALO, NY 14225 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $222 | $3K | 17.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 1 WORLD FINANCIAL CTR NEW YORK, NY 10281 | VISION SERVICE PLAN | $595 | — | $595 | 5.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | FKA WILLIS OF NY 1 WORLD FINANCIAL CTR, FL. 6 NEW YORK, NY 10281 | VISION SERVICE PLAN | $132 | — | $132 | 1.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS. SVCS WEST | P.O. BOX 101162 PASADENA, CA 91189 | HARTFORD LIFE INSURANCE CO. | $365 | $78 | $443 | 18.19% |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 153 | $1.3M |
| Vision | VISION SERVICE PLAN | 76 | $11K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 118 | $76K |
| Short-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 118 | $60K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 118 | $60K |
| Prescription drug | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 153 | $754K |
| Other(5 contracts, 4 carriers) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 153 | $833K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.