| 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 | — | $17K | $17K | 1.09% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA PREMIER | 90A JOHN MUIR DRIVE AMHERST, NY 14228 | HM LIFE INSURANCE COMPANY OF NEW YORK | — | — | $0 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES INC | 801 MAIN ST BUFFALO, NY 14203 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $6K | — | $6K | 1.60% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | — | $4K | $4K | 1.02% |
| 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 | 4.28% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | — | $1K | $1K | 1.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES INC | 801 MAIN ST BUFFALO, NY 14203 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 15.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | — | $216 | $216 | 0.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD CO INC | 801 MAIN ST BUFFALO, NY 14203 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $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 | 504 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 525 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MERITAIN HEALTH | 271 | $371K |
| Dental | NOVA HEALTHCARE ADMINISTRATORS INC | 503 | $686K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 480 | $351K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 282 | $117K |
| Prescription drug | PHARMACY BENEFIT DIMENSIONS | 902 | $1.6M |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY OF NEW YORK | 407 | $384K |
| Other(3 contracts, 2 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 480 | $380K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 902 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.