| 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 | BLUE SHIELD OF NORTHEASTERN NEW YORK | $5K | — | $5K | 4.00% |
| JJAN FINANCIAL3 Filed as: JJAN FINANCIAL GROUP INC | 412 ALLEGHENY ST HOLLIDAYSBURG, PA 16648 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 6.17% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY | 4200 ROCKSIDE RD STE 103 CLEVELAND, OH 44131 | METROPOLITAN LIFE INSURANCE COMPANY | $810 | $203 | $1K | 3.56% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $2K | $2K | $4K | 17.61% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP LLC | 350 ESSJAY ROAD SUITE 301 WILLIAMSVILLE, NY 14221 | GUARDIAN | $35 | — | $35 | 0.16% |
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 | 1,770 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 68 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,838 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK WEST VIRGINIA | 1,612 | $9.1M |
| Dental(3 contracts, 3 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 1,353 | $376K |
| Vision(2 contracts, 2 carriers) | HIGHMARK WEST VIRGINIA | 1,612 | $9.0M |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 2,407 | $683K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,407 | $667K |
| Prescription drug(2 contracts, 2 carriers) | HIGHMARK WEST VIRGINIA | 1,612 | $9.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,407 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.