| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BANYAN CONSULTING GROUP INC3 Filed as: BANYAN CONSULTING LLC | 1205 MANOR DRIVE MECHANICSBURG, PA 17055 | CAPITAL ADVANTAGE INSURANCE COMPANY | $25K | — | $25K | 1.43% |
| BANYAN CONSULTING GROUP INC3 Filed as: BANYAN CONSULTING LLC | 1205 MANOR DRIVE MECHANICSBURG, PA 17055 | KEYSTONE HEALTH PLAN CENTRAL | $22K | — | $22K | 1.56% |
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT, INC | 726 EXCHANGE STREET, SUITE 900 BUFFALO, NY 14210 | HEALTHNOW NEW YORK INC. DBA BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | $4K | — | $4K | 0.76% |
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT, INC | 1205 MANOR DRIVE MECHANICSBURG, PA 17055 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $3K | — | $3K | 1.83% |
| EMERSON REID LLC3 | 261 MADISON AVENUE SUITE 602 NEW YORK, NY 100162303 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $6K | $18K | 15.00% |
| EMERSON REID LLC3 | 261 MADISON AVENUE SUITE 602 NEW YORK, NY 100162303 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $4K | $11K | 15.00% |
| BANYAN CONSULTING GROUP INC3 Filed as: BANYAN CONSULTING LLC | 1205 MANOR DRIVE MECHANICSBURG, PA 17055 | CAPITAL ADVANTAGE INSURANCE COMPANY | $582 | — | $582 | 1.17% |
| EMERSON REID LLC3 | 261 MADISON AVENUE SUITE 602 NEW YORK, NY 100162303 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 15.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: FIRST NIAGRA RISK MANAGEMENT | 726 EXCHANGE STREET SUITE 900 BUFFALO, NY 14210 | HIGHMARK BLUE SHIELD | $2K | — | $2K | 5.01% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC | 261 MADISON AVENUE SUITE 602 NEW YORK, NY 10016 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | — | $1K | 27.52% |
| THE MAXON COMPANY3 Filed as: THE MAXON COMPANIES | 76 NORTH BROADWAY IRVINGTON, NY 10533 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $300 | $300 | 7.74% |
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 | 554 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 558 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | CAPITAL ADVANTAGE INSURANCE COMPANY | 299 | $3.7M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 456 | $196K |
| Vision | HIGHMARK BLUE SHIELD | 446 | $32K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 521 | $40K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 521 | $122K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 521 | $72K |
| Prescription drug(2 contracts, 2 carriers) | HEALTHNOW NEW YORK INC. DBA BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | 482 | $981K |
| Other(2 contracts, 2 carriers) | HEALTHNOW NEW YORK INC. DBA BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | 521 | $535K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 521 | — |
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."
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.