| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMTON, INC.3 | P.O. BOX 827 PENFIELD, NY 14526 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 9.19% |
| COMTON, INC.3 | P.O. BOX 827 PENFIELD, NY 14526 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| COMTON, INC.3 | P.O. BOX 827 PENFIELD, NY 14526 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $602 | — | $602 | 15.01% |
| COMTON, INC.3 | P.O. BOX 827 PENFIELD, NY 14526 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $90 | — | $90 | 14.98% |
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 | 192 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 159 | $27K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 13 | $4K |
| Other(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 159 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.