| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN BENEFITS GROUP, INC.3 Filed as: CROWN BENEFITS GROUP, INC | 2914 PINE AVE NIAGARA FALLS, NY 14301 | UNIVERA HEALTHCARE | $36K | — | $36K | 4.31% |
| CROWN BENEFITS GROUP, INC.3 Filed as: CROWN BENEFITS GROUP, INC | 2914 PINE AVE NIAGARA FALLS, NY 14301 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 6.31% |
| A KRANITZ ASSOC. INC.3 | PO BOX 1958 WILLIAMSVILLE, NY 14231 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $400 | — | $400 | 0.79% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP | 600 DELAWARE AVENUE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3 | — | $3 | 0.01% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP | 1 NIAGRA SQUARE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 0.00% |
| CROWN BENEFITS GROUP, INC.3 Filed as: CROWN BENEFITS GROUP, INC | 2914 PINE AVE NIAGARA FALLS, NY 14301 | BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | $360 | — | $360 | 2.69% |
| CROWN BENEFITS GROUP, INC.3 Filed as: CROWN BENEFITS GROUP, INC | 2914 PINE AVE NIAGARA FALLS, NY 14301 | BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | $180 | — | $180 | 3.04% |
| LOUIS CROCE3 | 79 EDNA PLACE LACKAWANNA, NY 14218 | THE PAUL REVERE LIFE INSURANCE COMPANY | $103 | — | $103 | 3.51% |
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 | 140 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 130 | $50K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 130 | $53K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 130 | $50K |
| Prescription drug(3 contracts, 2 carriers) | UNIVERA HEALTHCARE | 85 | $850K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 130 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.