| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DRIVE PO BOX 527 FARMINGTON, CT 06034 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $267 | $4K | 6.59% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP, LLC | C/O MARY ANN MACKINNON 361 DELAWARE AVENUE BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $30 | $1K | 2.43% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY, INC. | 800 PARKER HILL DRIVE SUITE 100 ROCHESTER, NY 14625 | EYEMED VISION CARE | $56 | — | $56 | 3.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 THIRD PARTY ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $313K |
| INDEPENDENT HEALTH EIN 16-1080163 THIRD PARTY ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $29K |
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 | 1,088 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,088 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 933 | $2K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,088 | $387K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,088 | $387K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,088 | $387K |
| Stop-loss / reinsurancereinsurance | FIRST UNUM LIFE INSURANCE COMPANY | 97 | $56K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,088 | $387K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,088 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.