| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMS FINANCIAL SERVICES LLC3 Filed as: EMS FINANCIAL SERVICES | 9092 MAIN STREET CLARENCE, NY 14031 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 9.15% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY W., STE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $433 | $152 | $585 | 4.99% |
| EMERLING, FLOSS, MURPHY ASSOC3 Filed as: EMERLING FLOSS MURPHY & ASSOCIATES | 9092 MAIN STREET CLARENCE, NY 14031 | METROPOLITAN LIFE INSURANCE COMPANY | $10 | — | $10 | 0.09% |
| TODD HENNESSY3 Filed as: TODD M HENNESSY | 78 GARDEN CT AMHERST, NY 14226 | THE PAUL REVERE LIFE INSURANCE COMPANY | $555 | — | $555 | 6.69% |
| EMERLING, FLOSS, MURPHY ASSOC3 Filed as: EMERLING FLOSS MURPHY & ASSOCIATES | 9092 MAIN STREET CLARENCE, NY 14031 | THE PAUL REVERE LIFE INSURANCE COMPANY | $367 | — | $367 | 4.42% |
| STEPHEN JOSEPH JOYCE3 | 33 GATES CIRCLE BUFFALO, NY 14209 | THE PAUL REVERE LIFE INSURANCE COMPANY | $78 | $11 | $89 | 1.07% |
| EMS FINANCIAL SERVICES LLC3 Filed as: EMS FINANCIAL SERVICES | 9092 MAIN STREET CLARENCE, NY 14031 | METROPOLITAN LIFE INSURANCE COMPANY | $585 | — | $585 | 8.42% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY W., STE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $238 | $83 | $321 | 4.62% |
| EMERLING, FLOSS, MURPHY ASSOC3 Filed as: EMERLING FLOSS MURPHY & ASSOCIATES | 9092 MAIN STREET CLARENCE, NY 14031 | METROPOLITAN LIFE INSURANCE COMPANY | $11 | — | $11 | 0.16% |
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 | 611 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 611 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 112 | $19K |
| Dental | THE PAUL REVERE LIFE INSURANCE COMPANY | 5 | $8K |
| Vision | THE PAUL REVERE LIFE INSURANCE COMPANY | 5 | $8K |
| Life insurance | THE PAUL REVERE LIFE INSURANCE COMPANY | 5 | $8K |
| Short-term disability | THE PAUL REVERE LIFE INSURANCE COMPANY | 5 | $8K |
| Long-term disability | THE PAUL REVERE LIFE INSURANCE COMPANY | 5 | $8K |
| Other | THE PAUL REVERE LIFE INSURANCE COMPANY | 5 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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."
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.