| 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 | $47K | $0 | $47K | 2.25% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.00% |
| COMTON, INC.3 Filed as: COMTON INC. | P.O BOX 827 PENFIELD, NY 14526 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $659 | $4K | 4.33% |
| COMTON, INC.3 Filed as: COMTON INC. | PO BOX 827 PENFIELD, NY 14526 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $136 | $3K | 14.48% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $990 | $0 | $990 | 5.00% |
| COMTON, INC.3 Filed as: COMTON INC. | PO BOX 827 PENFIELD, NY 14526 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $254 | $10 | $264 | 15.61% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $85 | $0 | $85 | 5.03% |
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 | 218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 376 | $2.1M |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 354 | $96K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 354 | $20K |
| Prescription drug | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 376 | $2.1M |
| Other(3 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 376 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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.