| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS, LLC | 8685 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 | BLUE CROSS BLUE SHIELD OF OKLAHOMA | $22K | $0 | $22K | 5.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1060 BROADWAY, SUITE 400 ALBANY, NY 12204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27K | $2K | $30K | 13.45% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS, LLC | 8685 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $8K | 3.55% |
| SHERIDAN BENEFITS LLC3 Filed as: SHERIDAN BENEFITS | UNKNOWN ORCHARD PARK, NY 14127 | QCA HEALTH PLAN | $6K | — | $6K | 3.99% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS, LLC | 8685 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 | MVP HEALTHCARE | $5K | — | $5K | 3.92% |
| FERENCE INSURANCE AGENCY, INC.3 | 304 SW 140TH TERRACE NEWBERRY, FL 32669 | BLUE CROSS BLUE SHIELD OF FLORIDA | $3K | — | $3K | 3.36% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS. SERVICES, LLC | 7 LIMESTONE DRIVE BUFFALO, NY 14221 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $2K | — | $2K | 1.85% |
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 | 287 | 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) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 6 carriers) | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 54 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 287 | $221K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 287 | $221K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 287 | $221K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 287 | $221K |
| Prescription drug(5 contracts, 5 carriers) | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 54 | $1.0M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 287 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.