| 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 | $969K | — | $969K | 2.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CROWN BENEFITS GROUP INC. EIN 16-1580963 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance brokerage commissions and fees Service code 15 | 2914 PINE AVE NIAGARA FALLS, NY 14301 | $482K |
| 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 |
| SEGAL CONSULTING EIN 13-1835864 NONE | Consulting fees Service code 70 | 333 WEST 34TH STREET NEW YORK, NY 100012402 | $17K |
| 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 | $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 | 7,164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 50 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 7,214 | 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 | 7,214 | $47.8M |
| Dental | HEALTH NOW NEW YORK INC. DBA BLUE CROSS BLUE SHIELD | 7,214 | $47.8M |
| Vision | HEALTH NOW NEW YORK INC. DBA BLUE CROSS BLUE SHIELD | 7,214 | $47.8M |
| Prescription drug | HEALTH NOW NEW YORK INC. DBA BLUE CROSS BLUE SHIELD | 7,214 | $47.8M |
| Other | HEALTH NOW NEW YORK INC. DBA BLUE CROSS BLUE SHIELD | 7,214 | $47.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,214 | — |
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.