| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | P.O. BOX 13056 NEWARK, NJ 07188 | RELIASTAR LIFE INSURANCE COMPANY | $258K | — | $258K | 10.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC. | 233 S. WACKER DR., STE 1800 CHICAGO, IL 60606 | RELIASTAR LIFE INSURANCE COMPANY | $116K | — | $116K | 4.82% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT ST, FL. 8 BUFFALO, NY 14204 | RELIASTAR LIFE INSURANCE COMPANY | — | $22K | $22K | 0.92% |
| EMPYREAN INSURANCE SERVICES, INC.3 | 9009 WEST LOOP S, STE 600 HOUSTON, TX 77096 | RELIASTAR LIFE INSURANCE COMPANY | $6K | $6K | $12K | 0.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 1 WORLD FINANCIAL CENTER NEW YORK, NY 10281 | EYEMED VIS. CARE ON BEHALF OF FIDELITY SEC. LIFE INS. CO. OF NEW YORK | $56K | — | $56K | 32.62% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION EXCHANGE | 199 SCOTT ST, 8TH FL. BUFFALO, NY 14204 | EYEMED VIS. CARE ON BEHALF OF FIDELITY SEC. LIFE INS. CO. OF NEW YORK | — | $11K | $11K | 6.63% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS INC. | 199 SCOTT STREET BUFFALO, NY 14204 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 5.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | P.O. BOX 4557 NEW YORK, NY 10249 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 4.68% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC. | 737 MAIN STREET BUFFALO, NY 14203 | METLIFE LEGAL PLANS | $3K | $2K | $5K | 17.58% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC. | 737 MAIN STREET BUFFALO, NY 14203 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $216 | — | $216 | 9.99% |
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 | 3,607 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,625 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $2K |
| Dental | AETNA LIFE INSURANCE CO. | 483 | $88K |
| Vision | EYEMED VIS. CARE ON BEHALF OF FIDELITY SEC. LIFE INS. CO. OF NEW YORK | 3,141 | $171K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 3,510 | $2.4M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 3,510 | $2.4M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 3,510 | $2.4M |
| Other(5 contracts, 5 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 3,607 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,607 | — |
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.