| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMS FINANCIAL SERVICES LLC Filed as: EMS FINANCIAL SERVICES, LLC | 6724 MAIN STREET WILLIAMSVILLE, NY 14221 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | — | — | $0 | 0.00% |
| FLOSS AGENCY INC. Filed as: FLOSS AGENCY INC | 6465 TRANSIT ROAD EAST AMHERST, NY 140512232 | METROPOLITAN LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| TODD HENNESSY3 Filed as: TODD M HENNESSY | 78 GARDEN COURT AMHERST, NY 14226 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 22.32% |
| FLOSS AGENCY INC.3 Filed as: FLOSS AGENCY INC | PO BOX 370 EAST AMHERST, NY 14051 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.64% |
| STEPHEN JOSEPH JOYCE3 | 70 SARGENT DRIVE AMHERST, NY 14226 | THE PAUL REVERE LIFE INSURANCE COMPANY | $678 | $158 | $836 | 4.25% |
| EMS FINANCIAL SERVICES LLC Filed as: EMS FINANCIAL SERVICES, LLC | 6724 MAIN STREET WILLIAMSVILLE, NY 14221 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | — | — | $0 | 0.00% |
| EMS FINANCIAL SERVICES LLC Filed as: EMS FINANCIAL SERVICES, LLC | 6724 MAIN STREET WILLIAMSVILLE, NY 14221 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | — | — | $0 | 0.00% |
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 | 273 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 233 | $1.4M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 456 | $184K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 456 | $184K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 456 | $184K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 456 | $184K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 456 | $184K |
| Prescription drug(4 contracts) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 233 | $1.4M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 456 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 456 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.