| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION | 90 KRIEGER LANE PO BOX 1237 GLASTONBURY, CT 06033 | GUARDIAN | $4K | — | $4K | 8.00% |
| JOSEPH S PORTO3 | 15 WHISPERING COURT EAST AMHERST, NY 14051 | GUARDIAN | $3K | — | $3K | 5.79% |
| EFP INC3 Filed as: EFP INC. | 90 KRIEGER LANE PO BOX 1237 GLASTONBURY, CT 06033 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 12.20% |
| JOSEPH S PORTO3 | 5794 MAIN STREET WILLIAMSVILLE, NY 14221 | TRUSTMARK INSURANCE COMPANY | $774 | — | $774 | 3.53% |
| GETTYSBURG BENEFITS ADMINISTRATION3 | 777 BALTIMORE STREET SUITE 97 GETTYSBURG, PA 17325 | TRUSTMARK INSURANCE COMPANY | $235 | — | $235 | 1.07% |
| MICKEY J GEBO3 | 480 LOUD ROAD FAIRPORT, NY 14450 | TRUSTMARK INSURANCE COMPANY | $12 | — | $12 | 0.05% |
| GARY YARBOROUGH3 | 118 PARADISE LANE BAY SAINT LOUIS, MS 39520 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $146 | — | $146 | 1.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2618 BROADWAY PEARLAND, TX 77581 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $41 | — | $41 | 0.39% |
| JOSEPH S PORTO3 Filed as: JOSEPH PORTO | 5794 MAIN STREET WILLIAMSVILLE, NY 14221 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $17 | — | $17 | 0.16% |
| DANIEL D COTE3 | 7830 BANKHEAD ROAD DENVER, NC 28037 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $15 | — | $15 | 0.14% |
| THE MCCLAIN GROUP LLC3 | PO BOX 882 CANNONSBURG, PA 15317 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $5 | — | $5 | 0.05% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $5 | — | $5 | 0.05% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE ROAD SUITE H-1 NEW CASTLE, PA 16105 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $5 | — | $5 | 0.05% |
| WILLIAM J MARKS3 | 526 SCAIFE ROAD SEICKLEY, PA 15343 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $2 | — | $2 | 0.02% |
| DAVID MIDDLEMISS3 | 809 WESTMORELAND AVENUE SYRACUSE, NY 13210 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $1 | — | $1 | 0.01% |
| JOSEPH S PORTO3 | 15 WHISPERING COURT EAST AMHERST, NY 14051 | GUARDIAN | $2K | — | $2K | 21.80% |
| EMPLOYEE FAMILY PROTECTION INC3 | 90 KREIGER LANE GLASTONBURY, CT 06033 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $366 | — | $366 | 13.93% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIVERA HEALTH CARE | 64 | $709K |
| Dental | GUARDIAN | 64 | $8K |
| Life insurance(3 contracts, 3 carriers) | GUARDIAN | 76 | $81K |
| Short-term disability | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | 21 | $10K |
| Long-term disability | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | 21 | $10K |
| Prescription drug | UNIVERA HEALTH CARE | 64 | $709K |
| Other(4 contracts, 4 carriers) | GUARDIAN | 76 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 76 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.