| 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 | $1.0M | — | $1.0M | 1.90% |
| 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 | $239K | — | $239K | 0.43% |
| EBA SERVICES, LLC Filed as: EBA SERVICES LLC | 2149 MASTER RD MARCELLUS, NY 13108 | HEALTH NOW NEW YORK INC. DBA BLUE CROSS BLUE SHIELD | $155K | — | $155K | 0.28% |
| R.L. EVANS COMPANY, INC. Filed as: THE EVANS AGENCY | 1 GRIMSBY DRIVE HAMBURG, NY 14075 | HEALTH NOW NEW YORK INC. DBA BLUE CROSS BLUE SHIELD | $36K | — | $36K | 0.07% |
| VANNER BENEFITS, LLC Filed as: VANNER BENEFITS LLC | 11 PINCHOT COURT SUITE 100 AMHERST, NY 14228 | HEALTH NOW NEW YORK INC. DBA BLUE CROSS BLUE SHIELD | $25K | — | $25K | 0.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CROWN BENEFITS GROUP INC. EIN 16-1580963 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 2914 PINE AVE NIAGARA FALLS, NY 14301 | $70K |
| BYRNE OFFICE TECHNOLOGIES INC. EIN 43-1853340 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 16091 SWINGLEY RIDGE ROAD SUITE 200 CHESTERFIELD, MO 63017 | $21K |
| LUMSDEN & MCCORMICK, LLP EIN 16-0765486 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 | 8899 MAIN STREET WILLIAMSVILLE, NY 14221 | $7K |
| WEBSTER LAW FIRM EIN 82-1947058 NONE | Legal Service code 29 | 501 JOHN JAMES AUDUBON PARKWAY, SUI AMHERST, NY 14228 | $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 | 10,699 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 46 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,745 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NOW NEW YORK INC. DBA BLUE CROSS BLUE SHIELD | 14,071 | $55.1M |
| Prescription drug | HEALTH NOW NEW YORK INC. DBA BLUE CROSS BLUE SHIELD | 14,071 | $55.1M |
| Other | HEALTH NOW NEW YORK INC. DBA BLUE CROSS BLUE SHIELD | 14,071 | $55.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,071 | — |
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.