| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF NEW YORK (ALBANY) | 6 TOWER PLACE ALBANY, NY 12203 | BLUESHIELD OF NORTHEASTERN NEW YORK | $5K | — | $5K | 3.95% |
| JJAN FINANCIAL Filed as: JJAN FINANCIAL GROUP INC | 412 ALLEGHENY ST HOLLIDAYSBURG, PA 16648 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 6.34% |
| EXPRESSLINK GENERAL AGENCY LLC | — | METROPOLITAN LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| LAWLEY BENEFITS GROUP LLC | 361 DELAWARE AVE. BUFFALO, NY 14202 | GUARDIAN | $2K | $321 | $2K | 9.45% |
| ALLIANCE ADVISORY GRP INC Filed as: ALLIANCE ADVISORY GRP | 350 ESJAY ROAD SUITE 301 WILLIAMSVILLE, NY 14221 | GUARDIAN | $33 | — | $33 | 0.15% |
| JJAN FINANCIAL Filed as: THE JJAN FINANCIAL GROUP INC | 412 ALLEGHENY ST HOLLIDAYSBURG, PA 16648 | VISION SERVICE PLAN | $942 | — | $942 | 6.12% |
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 | 1,732 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 71 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,803 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK WEST VIRGINIA | 1,618 | $9.2M |
| Dental(3 contracts, 3 carriers) | UNITED CONCORDIA COMPANIES, INC. | 1,311 | $366K |
| Vision(2 contracts, 2 carriers) | HIGHMARK WEST VIRGINIA | 1,618 | $9.1M |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 2,358 | $745K |
| Prescription drug(2 contracts, 2 carriers) | HIGHMARK WEST VIRGINIA | 1,618 | $9.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,358 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.