| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES, INC | 801 MAIN STREET BUFFALO, NY 14203 | HIGHMARK WESTERN NEW YORK | $43K | — | $43K | 0.95% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | THE HARTFORD | — | $36K | $36K | 7.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES INC | 801 MAIN STREET BUFFALO, NY 14203 | THE HARTFORD | $18K | $0 | $18K | 3.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES INC | 801 MAIN STREET BUFFALO, NY 14203 | DELTA DENTAL OF NEW YORK | $10K | — | $10K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES INC | 801 MAIN STREET BUFFALO, NY 142031215 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 42.01% |
| THE MCCLAIN GROUP LLC3 | 104 WITHEROW RD SEWICKLEY, PA 15143 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | — | $1K | 11.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES INC | 801 MAIN STREET BUFFALO, NY 14203 | THE PAUL REVERE LIFE INSURANCE COMPANY | $811 | — | $811 | 7.40% |
| DONNA TROXELL3 | 706 WESTWOOD DR GIBSONIA, PA 15044 | THE PAUL REVERE LIFE INSURANCE COMPANY | $24 | $67 | $91 | 0.83% |
| TIMOTHY BIRDSONG3 | 302 FIELDBROOK DR WASHINGTON, PA 15301 | THE PAUL REVERE LIFE INSURANCE COMPANY | $27 | $60 | $87 | 0.79% |
| STEPHEN JOSEPH JOYCE | 33 GATES CIRCLE BUFFALO, NY 14209 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | $1 | $6 | 0.05% |
| THE MCCLAIN GROUP LLC3 | 104 WITHEROW RD SEWICKLEY, PA 15143 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | — | $1K | 12.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES INC | 801 MAIN STREET BUFFALO, NY 14203 | THE PAUL REVERE LIFE INSURANCE COMPANY | $745 | — | $745 | 7.67% |
| TIMOTHY BIRDSONG3 | 302 FIELDBROOK DR WASHINGTON, PA 15301 | THE PAUL REVERE LIFE INSURANCE COMPANY | $29 | $63 | $92 | 0.95% |
| DONNA TROXELL3 | 706 WESTWOOD DR GIBSONIA, PA 15044 | THE PAUL REVERE LIFE INSURANCE COMPANY | $22 | $62 | $84 | 0.87% |
| STEPHEN JOSEPH JOYCE | 33 GATES CIRCLE BUFFALO, NY 14209 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES, INC | 801 MAIN STREET BUFFALO, NY 142031215 | FEDERAL INSURANCE COMPANY | $405 | — | $405 | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CHILD AND FAMILY SERVICES EAP EIN 16-1004825 | Plan Administrator Service code 14 | — | $8K |
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 | 305 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK WESTERN NEW YORK | 526 | $4.5M |
| Dental | DELTA DENTAL OF NEW YORK | 622 | $197K |
| Vision | VISION SERVICE PLAN | 277 | $63K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 368 | $18K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 368 | $18K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 368 | $18K |
| Prescription drug | HIGHMARK WESTERN NEW YORK | 526 | $4.5M |
| Other(3 contracts, 3 carriers) | HIGHMARK WESTERN NEW YORK | 526 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 622 | — |
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.