| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN BENEFITS GROUP, INC. | 2914 PINE AVE NIAGARA FALLS, NY 14301 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $35K | — | $35K | 4.66% |
| CROWN BENEFITS GROUP, INC. | 2914 PINE AVE NIAGARA FALLS, NY 14301 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $7K | — | $7K | 1.06% |
| CROWN BENEFITS GROUP, INC. | 2914 PINE AVE NIAGARA FALLS, NY 14301 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $5K | — | $5K | 3.34% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $8K | $6K | $14K | 13.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERRILL LYNCH EIN 13-5674085 NONE | Custodial (securities); Investment management; Investment advisory (plan) Service code 19 | — | $36K |
| JESSICA M. WESTPHAL EIN 05-0788144 FUND ADMINISTRATOR | Employee (plan) Service code 30 | — | $25K |
| LIPSITZ GREEN SCIME & CAMBRIA, LLP EIN 16-0905097 | Legal Service code 29 | — | $24K |
| SHARON PORTER EIN 16-0834222 EMPLOYEE | Employee (plan) Service code 30 | — | $19K |
| PATRICIA LUM EIN 16-0834222 FUND ADMINISTRATOR | Employee (plan) Service code 30 | — | $18K |
| HUNTINGTON NONE | Custodial (securities); Investment advisory (plan); Investment management Service code 19 | PO BOX 1558 DEPT EA 4E86 COLUMBUS, OH 43216 | $16K |
| CHIAMPOU TRAVIS BESAW & KERSHNER EIN 16-1468002 NONE | Accounting (including auditing) Service code 10 | 45 BRYANT WOODS N AMHERST, NY 14228 | $15K |
| BONADIO & CO., LLP EIN 16-1131146 NONE | Accounting (including auditing) Service code 10 | 171 SULLYS TRAIL SUITE 201 PITTSFORD, NY 14534 | $14K |
| BINATECH SYSTEM SOLUTIONS, INC EIN 10-0006810 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $7K |
| WINWIN SOLUTIONS INC EIN 04-2969673 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $6K |
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 | 276 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 280 | $1.6M |
| Dental | GUARDIAN | 188 | $106K |
| Life insurance | GUARDIAN | 188 | $106K |
| Prescription drug(3 contracts) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 280 | $1.6M |
| Other | GUARDIAN | 188 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.