| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK ALBANY | 6 TOWER PLACE ALBANY, NY 12203 | BLUESHIELD OF NORTHEASTERN NEW YORK | $3K | — | $3K | 3.45% |
| JJAN FINANCIAL3 Filed as: JJAN FINANCIAL GROUP INC. | 3101 BEALE AVE STE 101 ALTOONA, PA 16601 | METROPOLITAN LIFE INSURANCE COMPANY | $959 | — | $959 | 5.83% |
| ENROLLEASE3 Filed as: ONE DIGITAL EXPRESSLINK LLC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $350 | $21 | $371 | 2.26% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $273 | $21 | $294 | 1.79% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: L R WEBBER ASSOCIATES INC. | 1644 PLANK RD DUNCANSVILLE, PA 16635 | METROPOLITAN LIFE INSURANCE COMPANY | $273 | — | $273 | 1.66% |
| LAWLEY BENEFITS GROUP LLC3 | 361 DELAWARE AVE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $1K | $3K | 16.50% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GRP INC. | 350 ESSJAY RD 301 WILLIAMSVILLE, NY 14221 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29 | — | $29 | 0.19% |
| JJAN FINANCIAL3 Filed as: THE JJAN FINANCIAL GROUP INC | 1644 PLANK RD DUNCANSVILLE, PA 16635 | VISION SERVICE PLAN | — | $665 | $665 | 5.59% |
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 | 1,472 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 43 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,515 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK BLUE CROSS BLUESHIELD WEST VIRGINIA | 1,442 | $10.6M |
| Dental(3 contracts, 3 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 1,047 | $341K |
| Vision(2 contracts, 2 carriers) | HIGHMARK BLUE CROSS BLUESHIELD WEST VIRGINIA | 1,442 | $10.6M |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 1,844 | $626K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,844 | $612K |
| Prescription drug(3 contracts, 3 carriers) | HIGHMARK BLUE CROSS BLUESHIELD WEST VIRGINIA | 1,442 | $10.9M |
| Other | BLUECROSS BLUESHILED OF WESTERN NEW YORK | 28 | $232K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,844 | — |
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.