| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 300 AIRBORNE PARKWAY, STE 208 BUFFALO, NY 14225 | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | $21K | — | $21K | 2.76% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 75 ARLINGTON STREET FLOOR 10 BOSTON, MA 02116 | UNITEDHEALTHCARE INSURANCE COMPANY | $24K | — | $24K | 4.70% |
| 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 | $8K | — | $8K | 9.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 233 S WACKER DR STE 1800 CHICAGO, IL 60606 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | — | $1K | $1K | 1.69% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 300 AIRBORNE PARKWAY, STE 208 BUFFALO, NY 14225 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $214 | $3K | 16.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 200 LIBERTY STREET NEW YORK, NY 10281 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $992 | $152 | $1K | 11.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 300 AIRBORNE PARKWAY STE 208 BUFFALO, NY 14225 | FIRST UNUM LIFE INSURANCE COMPANY | $16 | — | $16 | 2.11% |
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 | 127 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | 93 | $1.3M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $10K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 127 | $102K |
| Short-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 127 | $85K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 127 | $85K |
| Prescription drug | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | 59 | $761K |
| Other(5 contracts, 4 carriers) | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | 127 | $864K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.