| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES, INC | 801 MAIN STREET BUFFALO, NY 14203 | HEALTHNOW NY, INC. DBA BLUECROSS BLUESHIELD OF WNY | $42K | $0 | $42K | 2.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES, INC | 801 MAIN STREET BUFFALO, NY 14203 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $4K | $12K | 7.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES, INC | 801 MAIN STREET BUFFALO, NY 14203 | HEALTHNOW NY, INC. DBA BLUECROSS BLUESHIELD OF WNY | $5K | $0 | $5K | 3.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FINDLEY EIN 25-1592340 | Actuarial Service code 11 | 2591 WEXFORD-BAYNE ROAD SEWICKLEY, PA 15143 | $8K |
| BUFFAMANTE, WHIPPLE, BUTTAFARO, PC EIN 16-1117932 | Insurance agents and brokers Service code 22 | 201 WEST THIRD STREET SUITE 300 JAMESTOWN, NY 14701 | $6K |
| CREIGHTON, JOHNSEN & GIROUX EIN 16-1158060 | Legal Service code 29 | 560 ELLICOTT SQUARE BUILDING BUFFALO, NY 14203 | $4K |
| NOTTINGHAM ADVISORS EIN 16-1133372 4048 | Trustee (individual) Service code 20 | 100 CORPORATE PKWY #338 AMHERST, NY 14226 | $0 |
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HEALTHNOW NY, INC. DBA BLUECROSS BLUESHIELD OF WNY | 387 | $2.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 156 | $161K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 156 | $161K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 156 | $161K |
| Prescription drug(2 contracts) | HEALTHNOW NY, INC. DBA BLUECROSS BLUESHIELD OF WNY | 387 | $2.0M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 156 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 387 | — |
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.