| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN AND BROWN OF NY INC | 6 TOWERS PLACE ALBANY, NY 12203 | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC. | $4K | — | $4K | 4.00% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $2K | $2K | $4K | 14.28% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP LLC | 350 ESSJAY ROAD SUITE 301 WILLIAMSVILLE, NY 14221 | GUARDIAN | $49 | — | $49 | 0.16% |
| JJAN FINANCIAL3 Filed as: JJAN FINANCIAL GROUP INC | 412 ALLEGHENY ST HOLLIDAYSBURG, WV 16648 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 6.82% |
| JJAN FINANCIAL3 Filed as: THE JJAN FINANCIAL GROUP INC | 412 ALLEGHENY ST HOLLIDAYSBURG, PA 16648 | VISION SERVICE PLAN | $901 | — | $901 | 6.32% |
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 | 1,998 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 72 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,070 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HIGHMARK WEST VIRGINIA | 1,662 | $10.0M |
| Dental(3 contracts, 3 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 1,477 | $407K |
| Vision(2 contracts, 2 carriers) | HIGHMARK WEST VIRGINIA | 1,662 | $9.5M |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 2,731 | $785K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,731 | $761K |
| Prescription drug(3 contracts, 3 carriers) | HIGHMARK WEST VIRGINIA | 1,662 | $10.0M |
| Other | HEALTHNOW NEW YORK INC | 58 | $390K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,731 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.