| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE & BENEFITS SERVICES I | 726 EXCHANGE STREET, SUITE 900 BUFFALO, NY 14210 | HEALTHNOW NEW YORK, INC. DBA BCBS OF WNY | $36K | — | $36K | 2.77% |
| COM TON, INC.3 | 6780 PITTSFORD-PALMYRA RD. #3A FAIRPORT, NY 14450 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $741 | $4K | 6.90% |
| COM TON, INC.3 | 6780 PITTSFORD-PALMYRA RD. #3A FAIRPORT, NY 14450 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $400 | $3K | 15.53% |
| COM TON, INC.3 | 6780 PITTSFORD-PALMYRA RD. #3A FAIRPORT, NY 14450 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $311 | $2K | 11.99% |
| COM TON, INC.3 | 6780 PITTSFORD-PALMYRA RD. #3A FAIRPORT, NY 14450 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $75 | — | $75 | 15.00% |
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 | 300 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 70 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 370 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHNOW NEW YORK, INC. DBA BCBS OF WNY | 249 | $1.3M |
| Life insurance(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 73 | $67K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 176 | $21K |
| Prescription drug | HEALTHNOW NEW YORK, INC. DBA BCBS OF WNY | 249 | $1.3M |
| Other(3 contracts, 2 carriers) | HEALTHNOW NEW YORK, INC. DBA BCBS OF WNY | 249 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.