| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTOPHER ROSS3 Filed as: CHRISTOPHER ROLLER | 285 DELAWARE AVENUE, SUITE 4000 BUFFALO, NY 14202 | KAISER FOUNDATION HEALTH PLAN INC | $21K | $0 | $21K | 5.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 66 NORTH ROUTE 17, SUITE 285 PARAMUS, NJ 07652 | KAISER FOUNDATION HEALTH PLAN INC | -$5K | $0 | -$5K | -1.16% |
| M&T INSURANCE AGENCY INC3 Filed as: M AND T INSURANCE AGENCY, INC. | 285 DELAWARE AVENUE, SUITE 4000 BUFFALO, NY 14202 | HARTFORD LIFE AND ACCIDENT | $8K | $0 | $8K | 10.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 100 FRONT STREET, SUITE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $597 | $597 | 0.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 PARK 80 WEST PLAZA TWO SADDLE BROOK, NJ 07663 | HARTFORD LIFE AND ACCIDENT | $14 | $0 | $14 | 0.02% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 1133 WESTCHESTER AVENUE, SUITE S229 WHITE PLAINS, NY 10604 | HARTFORD LIFE AND ACCIDENT | $0 | $7 | $7 | 0.01% |
| M&T INSURANCE AGENCY INC3 Filed as: M AND T INSURANCE AGENCY, INC. | 285 DELAWARE AVENUE, SUITE 4000 BUFFALO, NY 14202 | DELTA DENTAL OF PENNSYLVANIA | $3K | $0 | $3K | 5.20% |
| M&T INSURANCE AGENCY INC3 Filed as: M AND T INSURANCE AGENCY, INC. | 285 DELAWARE AVENUE, SUITE 4000 BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 11.34% |
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 | 226 | 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) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 71 | $414K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF PENNSYLVANIA | 231 | $65K |
| Vision | NATIONAL VISION ADMINISTRATORS LLC | 306 | $1K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 226 | $98K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 226 | $98K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 71 | $414K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 226 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.