| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | GUARDIAN LIFE INSURANCE COMPANY | $38K | $19K | $57K | 4.21% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP | 350 ESSJAY ROAD, SUITE 301 WILLIAMSVILLE, NY 14221 | GUARDIAN LIFE INSURANCE COMPANY | $80 | — | $80 | 0.01% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 90A JOHN MUIR DRIVE AMHERST, NY 14228 | EXCELLUS BLUE CROSS BLUE SHIELD | $43K | — | $43K | 4.60% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH AND BENEFITS LLC | 333 S SEVENTH ST #1400 MINNEAPOLIS, MN 55402 | HIGHMARK WESTERN & NORTHEASTERN NY INC | $4K | — | $4K | 3.05% |
| ASSUREDPARTNERS Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 71 MONROE AVE STE A PITTSFORD, NY 14534 | HIGHMARK WESTERN & NORTHEASTERN NY INC | $1K | — | $1K | 1.07% |
| ASSUREDPARTNERS4 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 11 PINCHOT COURT, SUITE 100 AMHERST, NY 14228 | GUARDIAN LIFE INSURANCE COMPANY | $5K | $575 | $6K | 14.74% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP | 350 ESSJAY ROAD, SUITE 301 WILLIAMSVILLE, NY 14221 | GUARDIAN LIFE INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| VANNER BENEFITS, LLC | 71 MONROE AVE STE A PITTSFORD, NY 14534 | HIGHMARK WESTERN & NORTHEASTERN NY INC | $225 | — | $225 | 1.73% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 90A JOHN MUIR DRIVE AMHERST, NY 14228 | HARTFORD LIFE AND ACCIDENT | $269 | — | $269 | 7.50% |
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 | 4,037 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,037 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 64 | $1.4M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 3,837 | $1.3M |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 3,837 | $1.3M |
| Life insurance(3 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 3,837 | $1.4M |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 3,837 | $1.3M |
| Long-term disability(3 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 3,837 | $1.4M |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 64 | $930K |
| Other(3 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 3,837 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,837 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.