| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERLING, FLOSS, MURPHY ASSOC3 Filed as: EMERLING FLOSS MURPHY & ASSOC. LLC | — | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $0 | $11K | 5.67% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC | 1787 SENTRY PKWY WEST BUILDING 16, SUITE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $21 | $8K | 4.15% |
| TODD HENNESSY3 Filed as: TODD M HENNESSY | 78 GARDEN CT AMHERST, NY 14226 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.63% |
| EMERLING, FLOSS, MURPHY ASSOC3 Filed as: EMERLING FLOSS MURPHY & ASSOCIATES | 9092 MAIN STREET CLARENCE, NY 14031 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.69% |
| STEPHEN JOSEPH JOYCE3 | 33 GATES CIRCLE BUFFALO, NY 14209 | THE PAUL REVERE LIFE INSURANCE COMPANY | $364 | $113 | $477 | 2.14% |
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 | 403 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 373 | $223K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 373 | $223K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 373 | $223K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 373 | $223K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 373 | $223K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 373 | $223K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 373 | — |
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 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.