| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREMIER CONSULTING ASSOCIATES LLC3 Filed as: PREMIER CONSULTING ASSOCIATES | 1416 SWEET HOME ROAD SUITES 5 AND 6 AMHERST, NY 14228 | PHARMACY BENEFIT DIMENSIONS | — | $9K | $9K | 0.72% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 90 A JOHN MUIR DRIVE AMHERST, NY 14228 | FIRST SYMETRA NATIONAL LIFE INS CO OF NEW YORK | $0 | $21K | $21K | 4.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES INC | 801 MAIN ST BUFFALO, NY 14203 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $5K | — | $5K | 1.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES INC | 801 MAIN ST BUFFALO, NY 14203 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $5K | — | $5K | 5.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES INC | 801 MAIN ST BUFFALO, NY 14203 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD CO INC | 801 MAIN ST BUFFALO, NY 14203 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $405 | — | $405 | 15.02% |
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 | 512 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 517 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MERITAIN HEALTH | 254 | $242K |
| Dental | NOVA HEALTHCARE ADMINISTRATORS INC | 1,295 | $622K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 503 | $323K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 287 | $102K |
| Prescription drug | PHARMACY BENEFIT DIMENSIONS | 870 | $1.2M |
| Stop-loss / reinsurancereinsurance | FIRST SYMETRA NATIONAL LIFE INS CO OF NEW YORK | 389 | $514K |
| Other(3 contracts, 2 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 503 | $346K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,295 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.