| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMS FINANCIAL SERVICES LLC3 Filed as: EMS FINANCIAL SERVICES, LLC | 6724 MAIN STREET WILLIAMSVILLE, NY 14221 | INDEPENDENT HEALTH | $0 | $0 | $0 | 0.00% |
| FLOSS AGENCY INC.3 Filed as: FLOSS AGENCY INC | 9092 MAIN STREET CLARENCE, NY 14031 | METOPOLITAN LIFE INSURANCE COMPANY | $12K | $0 | $12K | 6.34% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC | 1787 SENTRY PKWY WEST STE 320, BLDG 16 BLUE BELL, PA 19422 | METOPOLITAN LIFE INSURANCE COMPANY | $9K | $1K | $10K | 5.28% |
| EMERLING, FLOSS, MURPHY ASSOC3 Filed as: EMERLING, FLOSS, MURPHY AND ASSOC. | 9092 MAIN STREET CLARENCE, NY 14031 | METOPOLITAN LIFE INSURANCE COMPANY | $801 | $0 | $801 | 0.41% |
| TODD HENNESSY3 | 78 GARDEN CT AMHERST, NY 14226 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.56% |
| EMERLING, FLOSS, MURPHY ASSOC3 Filed as: EMERLING, FLOSS, MURPHY AND ASSOC. | 9092 MAIN STREET CLARENCE, NY 14031 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.02% |
| STEVEN JOSEPH JOYCE3 | 33 GATES CIRCLE BUFFALO, NY 14209 | THE PAUL REVERE LIFE INSURANCE COMPANY | $235 | $124 | $359 | 2.08% |
| EMS FINANCIAL SERVICES LLC3 Filed as: EMS FINANCIAL SERVICES, LLC | 6724 MAIN STREET WILLIAMSVILLE, NY 14221 | HIGHMARK OF WESTERN NEW YORK | $585 | $0 | $585 | 4.14% |
| EMS FINANCIAL SERVICES LLC3 Filed as: EMS FINANCIAL SERVICES, LLC | 6724 MAIN STREET WILLIAMSVILLE, NY 14221 | BLUE CROSS AND BLUE SHIELD OF WNY | $0 | $0 | $0 | 0.00% |
| EMS FINANCIAL SERVICES LLC3 Filed as: EMS FINANCIAL SERVICES, LLC | 6724 MAIN STREET WILLIAMSVILLE, NY 14221 | BLUE CROSS AND BLUE SHIELD OF WNY | $0 | $0 | $0 | — |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | INDEPENDENT HEALTH | 153 | $1.2M |
| Dental(2 contracts, 2 carriers) | METOPOLITAN LIFE INSURANCE COMPANY | 425 | $214K |
| Vision(2 contracts, 2 carriers) | METOPOLITAN LIFE INSURANCE COMPANY | 425 | $214K |
| Life insurance(2 contracts, 2 carriers) | METOPOLITAN LIFE INSURANCE COMPANY | 425 | $214K |
| Short-term disability(2 contracts, 2 carriers) | METOPOLITAN LIFE INSURANCE COMPANY | 425 | $214K |
| Long-term disability(2 contracts, 2 carriers) | METOPOLITAN LIFE INSURANCE COMPANY | 425 | $214K |
| Prescription drug(4 contracts, 3 carriers) | INDEPENDENT HEALTH | 153 | $1.2M |
| Other(2 contracts, 2 carriers) | METOPOLITAN LIFE INSURANCE COMPANY | 425 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 425 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.