| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN AND BROWN OF NEW YORK, INC. | 6 TOWER PLACE ALBANY, NY 12203 | BLUESHIELD OF NORTHEASTERN NEW YORK | $5K | — | $5K | 3.73% |
| JJAN FIN GROUP INC AND OTHER AGENTS Filed as: JJAN FINANCIA GROUP | 3101 BEALE AVE STE 101 ALTOONA, PA 16601 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 7.05% |
| EXPRESSLINK GENERAL AGENCY LLC | 4200 ROCKSIDE RD STE 103 CLEVELAND, OH 44131 | METROPOLITAN LIFE INSURANCE COMPANY | $572 | — | $572 | 3.11% |
| LAWLEY BENEFITS GROUP LLC | 361 DELAWARE AVE. BUFFALO, NY 14202 | GUARDIAN | $2K | $2K | $3K | 17.89% |
| ALLIANCE ADVISORY GRP INC Filed as: ALLIANCE ADVISORY GROUP INC. | 350 ESSJAY ROAD SUITE 301 WILLIAMSVILLE, NY 14221 | GUARDIAN | $31 | — | $31 | 0.18% |
| JJAN FINANCIAL Filed as: THE JJAN FINANCIAL GROUP INC. | 3101 BEALE AVE. #101 ALTOONA, PA 16601 | VISION SERVICE PLAN | $904 | — | $904 | 6.31% |
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 | 1,822 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 52 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,874 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 1,737 | $9.2M |
| Dental(3 contracts, 3 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 1,308 | $381K |
| Vision(2 contracts, 2 carriers) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 1,737 | $9.1M |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 2,432 | $681K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,432 | $663K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,432 | $663K |
| Prescription drug(2 contracts, 2 carriers) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 1,737 | $9.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,432 | — |
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.