| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BELTZ IANNI & ASSOCIATES LLC3 | 280 KENNETH DR. SUITE 110 ROCHESTER, NY 14623 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $4K | $0 | $4K | 2.72% |
| BENEDICT DAVID3 | 700 BAUSCH AND LOMB PLACE ROCHESTER, NY 14604 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $3K | $0 | $3K | 1.97% |
| BELTZ IANNI & ASSOCIATES LLC3 | 280 KENNETH DR. SUITE 110 ROCHESTER, NY 14623 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $3K | $0 | $3K | 4.22% |
| BENEDICT DAVID3 | 700 BAUSCH AND LOMB PLACE ROCHESTER, NY 14604 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $1K | $0 | $1K | 1.63% |
| BELTZ IANNI & ASSOCIATES LLC3 | 280 KENNETH DR. SUITE 110 ROCHESTER, NY 14623 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $3K | $0 | $3K | 4.51% |
| BENEDICT DAVID3 | 700 BAUSCH AND LOMB PLACE ROCHESTER, NY 14623 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $1K | $0 | $1K | 1.82% |
| BELTZ IANNI & ASSOCIATES LLC3 | 280 KENNETH DR. SUITE 110 ROCHESTER, NY 14623 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $937 | $0 | $937 | 4.91% |
| BELTZ IANNI & ASSOCIATES LLC3 | 280 KENNETH DR. SUITE 110 ROCHESTER, NY 14623 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $336 | $0 | $336 | 4.92% |
| BELTZ IANNI & ASSOCIATES LLC3 | 280 KENNETH DR. SUITE 110 ROCHESTER, NY 14623 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $277 | $0 | $277 | 4.23% |
| BENEDICT DAVID3 | 700 BAUSCH AND LOMB PLACE ROCHESTER, NY 14623 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $107 | $0 | $107 | 1.63% |
| BELTZ IANNI & ASSOCIATES LLC3 | 280 KENNETH DR. SUITE 110 ROCHESTER, NY 14623 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $53 | $0 | $53 | 4.95% |
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 | 228 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(4 contracts) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 242 | $96K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 176 | $60K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 229 | $157K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 228 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.