No brokers reported on this filing.
| 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 | $1.1M |
| HIGHMARK WESTERN & NORTHEASTERN NY EIN 16-1105741 NONE | Contract Administrator Service code 13 | 257 WEST GENESEE STREET BUFFALO, NY 14202 | $135K |
| EBA SERVICES LLC EIN 26-4167978 NONE | Insurance brokerage commissions and fees Service code 53 | 2149 MASTERS RD MARCELLUS, NY 13108 | $84K |
| 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 |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Consulting (general) Service code 16 | 333 WEST 34TH ST. PO BOX 4058 NEW YORK, NY 10261 | $18K |
| LUMSDEN & MCCORMICK, LLP EIN 16-0765486 NONE | Accounting (including auditing) Service code 10 | 369 FRANKLIN ST. BUFFALO, NY 14202 | $11K |
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 | 6,471 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,502 | 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 | 6,502 | $35.6M |
| Dental | HEALTH NOW NEW YORK INC. DBA BLUE CROSS BLUE SHIELD | 6,502 | $35.6M |
| Vision | HEALTH NOW NEW YORK INC. DBA BLUE CROSS BLUE SHIELD | 6,502 | $35.6M |
| Other | HEALTH NOW NEW YORK INC. DBA BLUE CROSS BLUE SHIELD | 6,502 | $35.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,502 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.