| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AITHER HEALTH LLC3 | PO BOX 1408 BUFFALO, NY 14226 | HCC LIFE INSURANCE COMPANY | — | $77K | $77K | 45.41% |
| KEVIN B. GANNON3 Filed as: KEVIN B GANNON | 325 BRISBANE BUILDING BUFFALO, NY 14203 | HCC LIFE INSURANCE COMPANY | $8K | — | $8K | 5.01% |
| EMERSON REID LLC3 | 100 SUMMIT LAKE DRIVE SUITE 10595 VALHALLA, NY 10595 | HARTFORD LIFE AND ACCIDENT | $6K | $4K | $10K | 18.43% |
| EMERSON REID LLC3 | 1305 WALT WHITMON RD SUITE 310 MELVILLE, NY 11747 | HARTFORD LIFE AND ACCIDENT | $0 | $38 | $38 | 0.07% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 5.12% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA HELMBOLD & STEWART | 12 SOUTH 3RD STREET CLEARFIELD, PA 16830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 2.99% |
| HELMBOLD & STEWART INC3 | 12 SOUTH 3RD STREET CLEARFIELD, PA 16830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.53% |
| ASHLEY ELCOCK3 | 200 TATTLETOWN RD AARONSBURG, PA 16820 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.53% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 111 | $169K |
| Dental | HCC LIFE INSURANCE COMPANY | 111 | $169K |
| Vision | HCC LIFE INSURANCE COMPANY | 111 | $169K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 146 | $53K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 146 | $53K |
| Prescription drug | HCC LIFE INSURANCE COMPANY | 111 | $169K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 146 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.