| 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 | UNIVERA HEALTHCARE | $132K | — | $132K | 23.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DEBRA KORPOLINSKI EIN 16-1561710 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $161K |
| BLITMAN AND KING, LLP EIN 16-1047304 NONE | Legal; Direct payment from the plan Service code 29 | — | $58K |
| ALEXANDRA BOOTH EIN 16-1561710 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $55K |
| ANDREA SHARP EIN 16-1561710 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $46K |
| BARBARA ZELLNER EIN 16-1561710 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $44K |
| TRONCONI SEGARRA & ASSOCIATES LLP EIN 04-3728817 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $23K |
| ARCARA ZUCARELLI LENDA & ASSOCIATES EIN 47-1793720 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $19K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 11-3658445 NONE | Investment advisory (plan); Other investment fees and expenses; Distribution (12b-1) fees; Direct payment from the plan Service code 27 | — | $12K |
| USI CONSULTING GROUP EIN 06-1053228 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $8K |
| PCA TECHNOLOGY GROUP INC. EIN 26-0022778 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $7K |
| JBM COMPUTER CONSULTANTS EIN 16-1173118 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $6K |
| WILMINGTON TRUST EIN 16-1486454 NONE | Custodial (securities); Direct payment from the plan; Float revenue Service code 19 | — | $5K |
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 | 860 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 491 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 382 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,317 | $234K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,317 | $234K |
| Prescription drug | INDEPENDENT HEALTH BENEFITS CORPORATION | 63 | $658K |
| Stop-loss / reinsurancereinsurance | UNIVERA HEALTHCARE | 763 | $552K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,317 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,317 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.