| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | PO BOX 13056 NEWARK, NJ 07188 | RELIASTAR LIFE INSURANCE COMPANY | $606K | — | $606K | 30.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 233 S. WACKER DR., STE 2000 CHICAGO, IL 60606 | RELIASTAR LIFE INSURANCE COMPANY | $117K | — | $117K | 5.93% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT ST, FL. 8 BUFFALO, NY 14204 | RELIASTAR LIFE INSURANCE COMPANY | $27K | — | $27K | 1.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 1 WORLD FINANCIAL CENTER NEW YORK, NY 10281 | EYEMED VISION CARE ON BEHALF OF COMBINED INSURANCE COMPANY OF NEW YORK | $14K | — | $14K | 6.71% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION EXCHANGE | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | EYEMED VISION CARE ON BEHALF OF COMBINED INSURANCE COMPANY OF NEW YORK | — | $10K | $10K | 4.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 1 WORLD FINANCIAL CENTER NEW YORK, NY 10281 | EYEMED VISION CARE ON BEHALF OF COMBINED INSURANCE COMPANY OF NEW YORK | $5K | — | $5K | 2.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK | 1 WORLD FINANCIAL CTR 200 LIBERTY ST, 6TH FLOOR NEW YORK, NY 10281 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 4.16% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC. | 737 MAIN STREET BUFFALO, NY 14203 | METLIFE LEGAL PLANS | $3K | $5K | $8K | 25.84% |
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 | 2,656 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 114 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,796 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $3K |
| Dental | AETNA LIFE INSURANCE CO. | 386 | $93K |
| Vision | EYEMED VISION CARE ON BEHALF OF COMBINED INSURANCE COMPANY OF NEW YORK | 2,653 | $206K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 2,701 | $2.0M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 2,701 | $2.0M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 2,701 | $2.0M |
| Other(4 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,701 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,701 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.