| 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 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.93% |
| 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 | $270 | — | $270 | 2.01% |
| 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 | $135 | — | $135 | 2.26% |
| LOUIS CROCE3 | 79 EDNA PLACE LACKAWANNA, NY 14218 | THE PAUL REVERE LIFE INSURANCE COMPANY | $93 | — | $93 | 3.37% |
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 | 128 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | 105 | $0 |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $42K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $45K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | 2 | $19K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.