| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 726 EXCHANGE ST SUITE 618 BUFFALO, NY 14210 | UNIVERA HEALTH CARE | $85K | $0 | $85K | 4.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES | 726 EXCHANGE STREET STE 200 BUFFALO, MA 14210 | UNIVERA HEALTH CARE | $28K | $0 | $28K | 1.39% |
| USI INSURANCE SERVICES LLC3 | 3 LEAR JET LANE SUITE 104 LATHAM, NY 12110 | THE GUARDIAN LIFE INSURANCE OF AMERICA | $14K | $7K | $21K | 6.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES INC. | 726 EXCHANGE STREET STE 200 BUFFALO, MA 14210 | THE GUARDIAN LIFE INSURANCE OF AMERICA | $3K | $0 | $3K | 0.92% |
| USI INSURANCE SERVICES LLC3 | 726 EXCHANGE STREET STE 618 BUFFALO, NY 14210 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $0 | $4K | 7.75% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.50% |
| NATIONAL ENROLLMENT PARTNERS LLC Filed as: NATIONAL ENROLLMENT PARTNERS, LLC | 2000 CHAPEL VIEW BLVD SUITE 240 CRANSTON, RI 02920 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $187 | $187 | 0.39% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $160 | $160 | 0.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES | 726 EXCHANGE STREET STE 200 BUFFALO, NY 14210 | FIRST UNUM LIFE INSURANCE COMPANY | $69 | $0 | $69 | 0.14% |
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 | 337 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIVERA HEALTH CARE | 189 | $2.0M |
| Dental | THE GUARDIAN LIFE INSURANCE OF AMERICA | 337 | $304K |
| Vision | THE GUARDIAN LIFE INSURANCE OF AMERICA | 337 | $304K |
| Life insurance | THE GUARDIAN LIFE INSURANCE OF AMERICA | 337 | $304K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 157 | $49K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE OF AMERICA | 337 | $304K |
| Prescription drug | UNIVERA HEALTH CARE | 189 | $2.0M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE OF AMERICA | 337 | $352K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.