| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VANNER BENEFITS, LLC3 Filed as: VANNER BENEFITS LLC | 11 PINCHOT CT STE 100 AMHERST, NY 14228 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 10.22% |
| STEPHEN JOSEPH JOYCE3 | 70 SARGENT DRIVE AMHERST, NY 14226 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | $2K | $6K | 27.67% |
| VANNER BENEFITS, LLC3 Filed as: VANNER BENEFITS LLC | 11 PINCHOT CT AMHERST, NY 14228 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 19.49% |
| AMY E COHEN3 Filed as: AMY SELAK | 95 LINWOOD AVENUE TONAWANDA, NY 14150 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $386 | $3K | 13.49% |
| MICHAEL PATRICK MCNELIS3 | 458 AUBURN AVENUE BUFFALO, NY 14213 | THE PAUL REVERE LIFE INSURANCE COMPANY | $818 | $50 | $868 | 4.22% |
| MICHAEL L O'DONNELL3 | 133 HAZELHURST AVE N SYRACUSE, NY 13212 | THE PAUL REVERE LIFE INSURANCE COMPANY | $459 | $107 | $566 | 2.75% |
| CHRISTOPHER MARTOCHE3 | 5315 OAKRIDGE DRIVE HAMBURG, NY 14075 | THE PAUL REVERE LIFE INSURANCE COMPANY | $163 | $11 | $174 | 0.85% |
| VANNER BENEFITS, LLC3 Filed as: VANNER BENEFITS LLC | 11 PINCHOT CT STE 100 AMHERST, NY 14228 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.51% |
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 | 230 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 282 | $122K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 282 | $122K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 224 | $11K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 282 | $122K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 282 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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.