| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED INS & FINANCIAL SERVICES3 Filed as: ASSOCIATED INS. AND FINANCIAL SERVI | 28 MAIN STREET PO BOX 327 TOWANDA, PA 18848 | EXCELLUS BLUE CROSS BLUE SHIELD PLAN | $45K | — | $45K | 4.04% |
| ASSOCIATED INS & FINANCIAL SERVICES3 | 28 MAIN STREET PO BOX 327 TOWANDA, PA 18848 | EXCELLUS BLUE CROSS BLUE SHIELD | $7K | — | $7K | 6.85% |
| FJM & ASSOCIATES OF BUFFALO INC3 | 626NORTH FRENCH RD STE 3 AMHERST, NY 14228 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $5K | — | $5K | 13.84% |
| FJM & ASSOCIATES OF BUFFALO INC3 | 626 NORTH FRENCH RD STE 3 AMHERST, NY 14228 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 13.78% |
| FJM & ASSOCIATES OF BUFFALO INC3 | 1408 SWEET HOME RD STE 1 BUFFALO, NY 14228 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 13.77% |
| FJM & ASSOCIATES OF BUFFALO INC3 Filed as: FJM ASSOCIATES OF BUFFALO INC | 626 NORTH FRENCH RD STE 3 AMHERST, NY 14228 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 50.00% |
| FJM & ASSOCIATES OF BUFFALO INC3 | 626 NORTH FRENCH RD STE 3 AMHERST, NY 14228 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 44.99% |
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 | 221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD PLAN | 132 | $1.1M |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 170 | $108K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 128 | $24K |
| Short-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 91 | $21K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 57 | $38K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD PLAN | 132 | $1.1M |
| Other(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 42 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.