| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUFLIFE AGENCY INC | 300 CORPORATE PKWY AMHERST, NY 14226 | EXCELLUS BLUE CROSS/BLUE SHIELD | $58K | — | $58K | 3.92% |
| MONROE COUNTY BAR ASSOCIATION | 1 WEST MAIN ST ROCHESTER, NY 14614 | EXCELLUS BLUE CROSS/BLUE SHIELD | — | $7K | $7K | 0.49% |
| COCHRANE FLYNN AHRENS AND MICHAEL | 300 CORPORATE PWKY AMHERST, NY 14228 | EXCELLUS BLUE CROSS/BLUE SHIELD | — | $5K | $5K | 0.34% |
| BUFLIFE AGENCY INC | 300 CORPORATE PKWY AMHERST, NY 14426 | MVP | $42K | — | $42K | 3.91% |
| BUFLIFE AGENCY INC | 300 CORPORATE PWY SUITE 200N AMHERST, NY 14226 | SECURITY HEALTH INSURANCE COMPANY OF AMERICA, NEW YORK INC. | $1K | — | $1K | 4.81% |
No Schedule C service providers reported on this filing.
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 | 360 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EXCELLUS BLUE CROSS/BLUE SHIELD | 197 | $2.5M |
| Dental | SECURITY HEALTH INSURANCE COMPANY OF AMERICA, NEW YORK INC. | 36 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.