| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 300 AIRBORNE PKWY, STE 208 BUFFALO, NY 14225 | EXCELLUS BLUECROSS BLUESHIELD | $50K | — | $50K | 3.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 300 AIRBORNE PKWY, STE 208 BUFFALO, NY 14225 | EXCELLUS BLUECROSS BLUESHIELD | $6K | — | $6K | 7.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 300 AIRBORNE PARKWAY, STE 208 BUFFALO, NY 14225 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $682 | $12K | 21.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NY INC. | 300 AIRBORNE PARKWAY BUFFALO, NY 14225 | HM LIFE INSURANCE COMPANY OF NEW YORK | $496 | — | $496 | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 344 DELAWARE AVENUE BUFFALO, NY 14202 | ZURICH AMERICAN INSURANCE COMPANY | $183 | — | $183 | 14.98% |
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 | 222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 144 | $1.3M |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 138 | $84K |
| Vision | HM LIFE INSURANCE COMPANY OF NEW YORK | 38 | $5K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 222 | $55K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 222 | $55K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 144 | $1.3M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 222 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.