| 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 | $38K | — | $38K | 4.88% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY BENEFITS GROUP, LLC | 361 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN | $9K | $6K | $15K | 13.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JESSICA M. WESTPHAL EIN 05-0788144 FUND ADMINISTRATOR | Employee (plan) Service code 30 | — | $61K |
| CHIAMPOU TRAVIS BESAW & KERSHNER EIN 16-1468002 NONE | Accounting (including auditing) Service code 10 | 45 BRYANT WOODS N AMHERST, NY 14228 | $22K |
| BINATECH SYSTEM SOLUTIONS, INC EIN 10-0006810 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $16K |
| LIPSITZ GREEN SCIME & CAMBRIA, LLP EIN 16-0905097 | Legal Service code 29 | — | $10K |
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 | 303 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 269 | $945K |
| Dental | GUARDIAN | 183 | $110K |
| Life insurance | GUARDIAN | 183 | $110K |
| Prescription drug(2 contracts) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 269 | $945K |
| Other | GUARDIAN | 183 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.