| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES, INC | 801 MAIN STREET BUFFALO, NY 14203 | INDEPENDENT HEALTH | $35K | $0 | $35K | 3.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES INC | 801 MAIN STREET BUFFALO, NY 14203 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $0 | $17K | 9.12% |
| USI INSURANCE SERVICES LLC3 | 726 EXCHANGE ST STE 618 BUFFALO, NY 14210 | FIRST UNUM LIFE INSURANCE COMPANY | $69 | $0 | $69 | 1.01% |
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 | 352 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENT HEALTH | 306 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 564 | $186K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 564 | $186K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 564 | $186K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 564 | $186K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 564 | $186K |
| Prescription drug | INDEPENDENT HEALTH | 306 | $1.2M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 564 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 564 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.