| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTIVO3 | 307 CAYUGA ROAD SUITE 170 BUFFALO, NY 14225 | HCC LIFE INSURANCE COMPANY | — | $92K | $92K | 60.49% |
| KEVIN B. GANNON3 | 325 BRISBANE BUILDING BUFFALO, NY 14203 | HCC LIFE INSURANCE COMPANY | $8K | — | $8K | 5.00% |
| EMERSON REID LLC3 | 1305 WALT WHITMON RD SUITE 310 MELVILLE, NY 11747 | HARTFORD LIFE AND ACCIDENT | $6K | $2K | $8K | 15.41% |
| USI INSURANCE SERVICES LLC3 | ENTERPRISE LICENSING CENTER 601 UNION ST SUITE 1000 SEATTLE, WA 98101 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 3.46% |
| EMERSON REID LLC3 | 100 SUMMIT LAKE DRIVE SUITE 10595 VALHALLA, NY 10595 | HARTFORD LIFE AND ACCIDENT | $493 | $195 | $688 | 1.33% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 4.58% |
| HELMBOLT & STEWART3 | 12 SOUTH 3RD STREET CLEARFIELD, PA 16830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 3.09% |
| ASHLY ELCOCK3 | 200 TATTLETOWN RD AARONSBURG, PA 16820 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.43% |
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 | 161 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 161 | $152K |
| Dental | HCC LIFE INSURANCE COMPANY | 161 | $152K |
| Vision | HCC LIFE INSURANCE COMPANY | 161 | $152K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 195 | $52K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 195 | $52K |
| Prescription drug | HCC LIFE INSURANCE COMPANY | 161 | $152K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 195 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.