| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHOICE EMPLOYEE BENEFITS GROUP3 | 8207 MAIN STREET SUITE 12 WILLIAMSVILLE, NY 14221 | UNIVERA HEALTH CARE | $39 | — | $39 | 0.00% |
| DANIEL D COTE3 | PO BOX 246 LEROY, NY 14482 | ALLSTATE BENEFITS | $6K | — | $6K | 10.33% |
| JOSEPH S PORTO3 Filed as: JOSEPH PORTO | 5794 MAIN STREET WILLIAMSVILLE, NY 14221 | ALLSTATE BENEFITS | $5K | — | $5K | 7.80% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE ROAD NEW CASTLE, PA 16105 | ALLSTATE BENEFITS | $1K | — | $1K | 2.41% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 315 GREEN CASTLE SUITE H-1 NEW CASTLE, PA 16105 | ALLSTATE BENEFITS | $733 | — | $733 | 1.21% |
| DAVID MIDDLEMISS3 | 809 WEST MORELAND AVENUE SYRACUSE, NY 13210 | ALLSTATE BENEFITS | $554 | — | $554 | 0.91% |
| THE MCCLAIN GROUP LLC3 | PO BOX 882 CANNONSBURG, PA 15317 | ALLSTATE BENEFITS | $220 | — | $220 | 0.36% |
| KAREN BELL3 | 55 SEWILO HILLS DRIVE ROCHESTER, NY 14622 | ALLSTATE BENEFITS | $159 | — | $159 | 0.26% |
| CINDY HEIDEN3 | 1380 PLANK ROAD WALWORTH, NY 14568 | ALLSTATE BENEFITS | $96 | — | $96 | 0.16% |
| WILLIAM J MARKS3 | PO BOX 882 MCMURRAY, PA 15317 | ALLSTATE BENEFITS | $90 | — | $90 | 0.15% |
| COREY NOVAK3 | 7 SCHOOL STREET LEROY, NY 14482 | ALLSTATE BENEFITS | $77 | — | $77 | 0.13% |
| THE MARLETTE GROUP3 | 58 HALLAM ROAD BUFFAL, NY 14216 | ALLSTATE BENEFITS | $48 | — | $48 | 0.08% |
| DAVID MIDDLEMISS3 | 809 WESTMORELAND AVENUE SYRACUSE, NY 13210 | ALLSTATE BENEFITS | $16 | — | $16 | 0.03% |
| JAMES DENNIS3 | 90 BRYANT WOODS SOUTH AMHERST, NY 14228 | ALLSTATE BENEFITS | $5 | — | $5 | 0.01% |
| CHOICE EMPLOYEE BENEFITS GROUP3 Filed as: CHOICE EMPLOYEE BENEFITS GROUP LLC | 8665 SHERIDAN DRIVE SUITE 3 WILLIAMSVILLE, NY 14221 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 22.00% |
| DANIEL D COTE3 | PO BOX 246 LEROY, NY 14482 | ALLSTATE | $521 | — | $521 | 8.93% |
| JOSEPH S PORTO3 Filed as: JOSEPH S PORTP | 5794 MAIN STREET WILLIAMSVILLE, NY 14221 | ALLSTATE | $495 | — | $495 | 8.49% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE ROAD SUITE H 1 NEW CASTLE, PA 16015 | ALLSTATE | $467 | — | $467 | 8.01% |
| DIANE M WORLEY3 | 20240 BOCKMAN HOLLOW ROAD SAEGERTOWN, PA 16433 | ALLSTATE | $290 | — | $290 | 4.97% |
| JEREMY LUTZ3 | 126 BATTERY B STREET NEW CASTLE, PA 16102 | ALLSTATE | $261 | — | $261 | 4.48% |
| STEVEN GOODWIN3 Filed as: STEVEN DANA GOODWIN | 5794 MAIN STREET WILLIAMSVILLE, NY 14221 | ALLSTATE | $239 | — | $239 | 4.10% |
| LAURIE AULT3 Filed as: LAURIE L AULT | 315 GREEN RIDGE DRIVE SUITE H 1 NEW CASTLE, PA 16015 | ALLSTATE | $14 | — | $14 | 0.24% |
| DUSTIN AULT3 | 7593 YOUNGSTOWN PITTSBURG ROAD POLAND, OH 44514 | ALLSTATE | $10 | — | $10 | 0.17% |
| TYLER AULT3 | 315 GREEN RIDGE ROAD SUITE H 1 NEW CASTLE, PA 16105 | ALLSTATE | $3 | — | $3 | 0.05% |
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 | 246 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIVERA HEALTH CARE | 173 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 190 | $17K |
| Life insurance(2 contracts, 2 carriers) | ALLSTATE BENEFITS | 114 | $67K |
| Short-term disability(2 contracts, 2 carriers) | ALLSTATE BENEFITS | 114 | $67K |
| Long-term disability(2 contracts, 2 carriers) | ALLSTATE BENEFITS | 114 | $67K |
| Other(2 contracts, 2 carriers) | ALLSTATE BENEFITS | 114 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.