| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN BENEFITS GROUP, INC.5 Filed as: CROWN BENEFITS GROUP INC. | 2914 PINE AVENUE NIAGARA FALLS, NY 14301 | HEALTH NOW NEW YORK INC. DBA BLUE CROSS BLUE SHIELD | $1.4M | — | $1.4M | 2.53% |
| NIAGARA NATIONAL INC.3 Filed as: NIAGARA NATIONAL INSURANCE GROUP | 5001 GENESEE ST. BUFFALO, NY 14225 | HEALTH NOW NEW YORK INC. DBA BLUE CROSS BLUE SHIELD | $263K | — | $263K | 0.49% |
| CROWN BENEFITS GROUP, INC.5 Filed as: CROWN BENEFITS GROUP INC. | 2914 PINE AVENUE NIAGARA FALLS, NY 14301 | HEALTH NOW NEW YORK INC. DBA BLUE CROSS BLUE SHIELD | $46K | — | $46K | 2.51% |
| NIAGARA NATIONAL INC.3 Filed as: NIAGARA NATIONAL INSURANCE GROUP | 5001 GENESEE ST. BUFFALO, NY 14225 | HEALTH NOW NEW YORK INC. DBA BLUE CROSS BLUE SHIELD | $720 | — | $720 | 0.04% |
| CROWN BENEFITS GROUP, INC.5 Filed as: CROWN BENEFITS GROUP INC. | 2914 PINE AVENUE NIAGARA FALLS, NY 14301 | DELTA DENTAL OF NEW YORK | $2K | — | $2K | 4.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CROWN BENEFITS GROUP INC. EIN 16-1580963 NONE | Plan Administrator Service code 14 | 2914 PINE AVE NIAGARA FALLS, NY 14301 | $108K |
| LIPPES MATHIAS WEXLER FRIEDMAN EIN 16-1021918 NONE | Legal Service code 29 | 50 FOUNTAIN PLAZA, SUITE 1700 BUFFALO, NY 14202 | $46K |
| LUMSDEN & MCCORMICK, LLP NONE | Accounting (including auditing) Service code 10 | 369 FRANKLIN ST. BUFFALO, NY 14202 | $10K |
| SUNBRIDGE MANAGEMENT INC. EIN 20-3615381 NONE | Investment management Service code 28 | 8600 TRANSIT ROAD SUITE 1B EAST AMHERST, NY 14051 | $6K |
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 | 17,039 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 313 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 17,352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HEALTH NOW NEW YORK INC. DBA BLUE CROSS BLUE SHIELD | 16,964 | $55.3M |
| Dental | DELTA DENTAL OF NEW YORK | 75 | $38K |
| Prescription drug(2 contracts) | HEALTH NOW NEW YORK INC. DBA BLUE CROSS BLUE SHIELD | 16,964 | $55.2M |
| Other | HEALTH NOW NEW YORK INC. DBA BLUE CROSS BLUE SHIELD | 16,964 | $53.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,964 | — |
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.