| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT, INC. | 40 RICHARDS AVENUE SUITE 4 NORWALK, CT 06854 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.31% |
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT, INC. | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 170554900 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $100 | $17K | 2.91% |
| HARVARD PRINTING GROUP5 | PO BOX 380 WEST HEMPSTEAD, NY 11552 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $190 | $190 | 0.47% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $179 | $179 | 0.45% |
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 | 538 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 541 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,163 | $572K |
| Vision | VISION SERVICE PLAN | 446 | $127K |
| Life insurance(3 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 596 | $522K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 596 | $40K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 596 | $400K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 810 | $1.2M |
| Other | ZURICH AMERICAN INSURANCE COMPANY | 142 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,163 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.