| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMS FINANCIAL SERVICES LLC3 Filed as: EMS FINANCIAL SERVICES, LLC | 6724 MAIN STREET WILLIAMSVILLE, NY 14221 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $40K | $0 | $40K | 2.08% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX AGENCY, INC. | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $3K | $0 | $3K | 0.15% |
| THE DBL CENTER LTD3 | 155 PINELAWN RD SUITE 120 MELVILLE, NY 11747 | SUN LIFE AND HEALTH INSURANCE COMPANY | $311 | $0 | $311 | 0.87% |
| COMTON, INC.3 Filed as: COMTON INC | PO BOX 1358 FAIRPORT, NY 14450 | SUN LIFE AND HEALTH INSURANCE COMPANY | $268 | $0 | $268 | 0.75% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $960 | $0 | $960 | 5.65% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSRUANCE AGENCY, INC. | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $767 | $0 | $767 | 10.00% |
| COMTON, INC.3 Filed as: COMTON INC | PO BOX 1358 FAIRPORT, NY 14450 | SUN LIFE AND HEALTH INSURANCE COMPANY | $396 | $0 | $396 | 7.91% |
| THE DBL CENTER LTD3 | 155 PINELAWN RD SUITE 120 MELVILLE, NY 11747 | SUN LIFE AND HEALTH INSURANCE COMPANY | $250 | $0 | $250 | 4.99% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSRUANCE AGENCY, INC. | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $75 | $0 | $75 | 15.00% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $18 | $0 | $18 | 14.88% |
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 | 310 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 304 | $1.9M |
| Life insurance(3 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 411 | $65K |
| Short-term disability(2 contracts) | SUN LIFE AND HEALTH INSURANCE COMPANY | 383 | $41K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 411 | $48K |
| Prescription drug | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 304 | $1.9M |
| Other(6 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 411 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.