| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC. Filed as: M&T INSURANCE AGENCY | 285 DELAWARE AVE SUITE 4000 BUFFALO, NY 14202 | SUN LIFE AND HEALTH INSURANCE CO. | — | — | $0 | 0.00% |
| 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. | $4K | — | $4K | 2.11% |
| 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 | $6K | — | $6K | 5.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 1.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 100 MERIDIAN CENTRE BLVD #100 ROCHESTER, NY 14618 | LINCOLN LIFE & ANNUITY CO. OF NY | $373 | — | $373 | 13.05% |
| 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 | $56 | — | $56 | 1.96% |
| E.T. CLAUSS & COMPANY INC.3 Filed as: E T CLAUSS AND COMPANY IN | 735 DELAWARE AVE PO BOX 534 BUFFALO, NY 14209 | CIGNA GROUP INSURANCE CO. OF NY | $203 | — | $203 | 15.04% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY, INC. | 285 DELAWARE AVENUE BUFFALO, NY 14202 | BLUECROSS BLUESHIELD OF WNY | $54K | — | $54K | — |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MERIDIAN CENTRE BLVD. SUITE 100 ROCHESTER, NY 14618 | BLUECROSS BLUESHIELD OF WNY | $3K | — | $3K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUN LIFE & HEALTH INSURANCE COMPANY EIN 06-0893662 INSURANCE PROVIDER | Insurance services Service code 23 | — | $23K |
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 | 1,319 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF WNY | 588 | $0 |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 291 | $19K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 291 | $19K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE CO. | 1,319 | $545K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 139 | $112K |
| Long-term disability(3 contracts, 3 carriers) | SUN LIFE AND HEALTH INSURANCE CO. | 1,319 | $548K |
| Other(5 contracts, 4 carriers) | SUN LIFE AND HEALTH INSURANCE CO. | 1,319 | $758K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,319 | — |
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.