| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT INC. | 726 EXCHANGE STREET SUITE 900 BUFFALO, NY 14210 | UNITEDHEALTHCARE INSURANCE COMPANY | $179K | — | $179K | 2.96% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO., LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | UNITEDHEALTHCARE INSURANCE COMPANY | $60K | — | $60K | 0.99% |
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT INC. | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | — | $11K | 3.34% |
| CHERRY BEKAERT BENEFITS CONSULTING3 | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 1.61% |
| BANYAN CONSULTING GROUP INC3 Filed as: BANYAN CONSULTING | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 1.91% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO., LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $280 | — | $280 | 0.12% |
| BANYAN CONSULTING GROUP INC3 Filed as: BANYAN CONSULTING | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 6.83% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO., LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $568 | — | $568 | 0.96% |
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT INC. | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | VISION SERVICE PLAN | $2K | — | $2K | 2.78% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO. LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | VISION SERVICE PLAN | $371 | — | $371 | 0.64% |
| BANYON CONSULTING3 | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | CIGNALIFEINSURANCECOMPANYOF NEW YORK | $2K | — | $2K | 7.42% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO., LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | CIGNALIFEINSURANCECOMPANYOF NEW YORK | $400 | — | $400 | 1.69% |
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 | 452 | 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) | 452 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 971 | $6.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 396 | $317K |
| Vision | VISION SERVICE PLAN | 333 | $58K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 452 | $228K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 452 | $59K |
| Other | CIGNALIFEINSURANCECOMPANYOF NEW YORK | 452 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 971 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.