| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 6 TOWER PLACE ALBANY, NY 12203 | BLUESHIELD OF NORTHEASTERN NEW YORK | $3K | — | $3K | 4.18% |
| JJAN FINANCIAL3 Filed as: JJAN FINANCIAL GROUP INC. | 3101 BEALE AVE STE 101 ALTOONA, PA 16601 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 6.87% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE ROAD STE 103 CLEVELAND, OH 44131 | METROPOLITAN LIFE INSURANCE COMPANY | $440 | $24 | $464 | 2.35% |
| ENROLLEASE3 Filed as: ONE DIGITAL EXPRESSLINK LLC | 20 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $150 | — | $150 | 0.76% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $1K | $1K | $3K | 16.72% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP INC | 350 ESSJAY ROAD SUITE 301 WILLIAMSVILLE, NY 14221 | GUARDIAN | $29 | — | $29 | 0.18% |
| JJAN FINANCIAL3 Filed as: JJAN FINANCIAL GROUP INC. | 3101 BEALE AVE STE 101 ALTOONA, PA 16601 | VISION SERVICE PLAN | $884 | — | $884 | 6.43% |
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 | 1,833 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 47 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,880 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK BLUECROSS BLUESHIELD WEST VIRGINIA | 1,699 | $9.9M |
| Dental(3 contracts, 3 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 1,387 | $377K |
| Vision(2 contracts, 2 carriers) | HIGHMARK BLUECROSS BLUESHIELD WEST VIRGINIA | 1,699 | $9.8M |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 2,249 | $615K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,249 | $600K |
| Prescription drug(3 contracts, 3 carriers) | HIGHMARK BLUECROSS BLUESHIELD WEST VIRGINIA | 1,699 | $10.1M |
| Other | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 33 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,249 | — |
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.