| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHERIDAN BENEFITS LLC3 | 7 LIMESTONE DRIVE WILLIAMSVILLE, NY 14221 | HARTFORD LIFE AND ACCIDENT | $17K | $2K | $19K | 11.18% |
| SHERIDAN BENEFITS LLC3 | 8685 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.95% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $437 | — | $437 | 0.41% |
| SHERIDAN BENEFITS LLC3 | 7 LIMESTONE DRIVE WILLAMSVILLE, NY 14221 | VISION SERVICE PLAN | $1K | — | $1K | 6.60% |
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 | 243 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF WNY | 352 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 237 | $108K |
| Vision(2 contracts) | VISION SERVICE PLAN | 175 | $21K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 243 | $169K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 243 | $169K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 243 | $169K |
| Prescription drug | BLUECROSS BLUESHIELD OF WNY | 352 | $1.1M |
| Other(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF WNY | 352 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 352 | — |
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.