| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTHWEST INSURANCE SERVICES3 | 7 W. THIRD ST. JAMESTOWN, NY 14701 | HEALTHNOW NEW YORK, INC. DBA BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $73K | — | $73K | 7.20% |
| THOMAS MCGRAW3 Filed as: THOMAS P MCGRAW | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | FIRST UNUM LIFE INSURANCE COMPANY | $24K | — | $24K | 9.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | — | $5K | 2.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD STE 200 TROY, MI 48084 | VISION SERVICE PLAN | $1K | — | $1K | 1.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 3331 W. BIG BEAVER RD STE 200 TROY, MI 48084 | VISION SERVICE PLAN | $894 | — | $894 | 1.09% |
| THOMAS MCGRAW3 Filed as: THOMAS P MCGRAW | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | — | $8K | 13.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 2.21% |
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 | 1,738 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,738 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHNOW NEW YORK, INC. DBA BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 1,738 | $1.0M |
| Vision(2 contracts, 2 carriers) | HEALTHNOW NEW YORK, INC. DBA BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 1,738 | $1.1M |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 1,066 | $252K |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 1,066 | $312K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,066 | $252K |
| Prescription drug | HEALTHNOW NEW YORK, INC. DBA BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 1,738 | $1.0M |
| Stop-loss / reinsurancereinsurance | HEALTHNOW NEW YORK, INC. DBA BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 1,738 | $1.0M |
| Other | EMPLOYEE SERVICES, INC. | 1,081 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,738 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.