| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ADVANTAGE INC. Filed as: BENEFIT ADVANTAGE, INC. | 37 ROLLING HILLS DR ORCHARD PARK, NY 14127 | BLUECROSS BLUESHIELD OF WNY | $44K | — | $44K | 1.01% |
| BENEFITS ADVANTAGE INC3 Filed as: BENEFITS ADVANTAGE INC. | PO BOX 1080 ORCHARD PARK, NY 14127 | HARTFORD LIFE INSURANCE CO. | $2K | — | $2K | 2.35% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY, INC. | 285 DELAWARE AVE BUFFALO, NY 14202 | HARTFORD LIFE INSURANCE CO. | $1K | — | $1K | 1.46% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY | 285 DELAWARE AVE SUITE 4000 BUFFALO, NY 14202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 3.07% |
| GEORGER ARTHUR3 | PO BOX 1080 ORCHARD PARK, NY 14127 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 3.04% |
| BENEFITS ADVANTAGE INC3 Filed as: BENEFITS ADVANTAGE INC. | PO BOX 1080 ORCHARD PARK, NY 14127 | HARTFORD LIFE INSURANCE CO. | $3K | — | $3K | 3.91% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY, INC. | 285 DELAWARE AVE BUFFALO, NY 14202 | HARTFORD LIFE INSURANCE CO. | $2K | — | $2K | 2.70% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY | 285 DELAWARE AVE SUIT 4000 BUFFALO, NY 14202 | SUN LIFE AND HEALTH INSURANCE CO. | $891 | — | $891 | 6.91% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY, INC. | 285 DELAWARE AVE SUITE 4000 BUFFALO, NY 14202 | LINCOLN LIFE & ANNUITY CO. OF NY | $576 | — | $576 | 12.94% |
| BENEFITS ADVANTAGE INC3 Filed as: BENEFITS ADVANTAGE INC. | 37 ROLLING HILLS DR. PO BOX 1080 ORCHARD PARK, NY 14127 | HARTFORD LIFE INSURANCE CO. | — | — | $0 | 0.00% |
| E.T. CLAUSS & COMPANY INC.3 | 735 DELAWARE AVE. PO BOX 534 BUFFALO, NY 14209 | CIGNA LIFE INSURANCE CO. OF NY | — | — | $0 | — |
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 | 1,153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE CO. | 1,069 | $284K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE CO. | 1,037 | $283K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE CO. | 1,037 | $251K |
| Prescription drug | BLUECROSS BLUESHIELD OF WNY | 619 | $4.3M |
| Other(6 contracts, 5 carriers) | SUN LIFE AND HEALTH INSURANCE CO. | 1,037 | $305K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,069 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.