| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FERENCE INSURANCE AGENCY, INC.3 | 304 SW 140TH TERRACE NEWBERRY, FL 32669 | BLUE CROSS BLUE SHIELD OF FLORIDA | $16K | $0 | $16K | 4.00% |
| UNKNOWN3 | UNKNOWN ORCHARD PARK, NY 14127 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 1.82% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS. SERVICES LLC | UNKNOWN ORCHARD PARK, NY 14127 | MVP HEALTHCARE | $5K | $0 | $5K | 3.69% |
| PAYCHEX INSURANCE AGENCY, INC.3 | UNKNOWN ORCHARD PARK, NY 14127 | MVP HEALTHCARE | $571 | $0 | $571 | 0.40% |
| UNKNOWN3 | UNKNOWN ORCHARD PARK, NY 14127 | QCA HEALTH PLAN | $5K | $0 | $5K | 4.21% |
| FERENCE INSURANCE AGENCY, INC.3 | 304 SW 140TH TERRACE NEWBERRY, FL 32669 | HEALTH OPTIONS | $103 | $0 | $103 | 4.01% |
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 | 252 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 6 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 252 | $681K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 252 | $148K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 252 | $148K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 252 | $148K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 252 | $148K |
| Prescription drug(5 contracts, 5 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 252 | $552K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 252 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.