| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST NIAGARA RISK MANAGEMENT3 | 726 EXCHANGE STREET SUITE 900 BUFFALO, NY 14210 | UPMC HEALTH OPTIONS | $31K | — | $31K | 2.80% |
| FIRST NIAGARA RISK MANAGEMENT3 | 726 EXCHANGE STREET SUITE 900 BUFFALO, NY 14210 | UPMC HEALTH BENEFITS | $531 | — | $531 | 4.00% |
| FIRST NIAGARA RISK MANAGEMENT3 | 726 EXCHANGE STREET SUITE 900 BUFFALO, NY 14210 | UPMC HEALTH OPTIONS | $261 | — | $261 | 3.53% |
| FIRST NIAGARA RISK MANAGEMENT3 | 726 EXCHANGE STREET SUITE 900 BUFFALO, NY 14210 | UPMC HEALTH BENEFITS | $5 | — | $5 | 5.81% |
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 | 125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 254 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.