| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANIEL KLUN3 | 37 FRANKLIN STREET SUITE 600 BUFFALO, NY 14202 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $323 | — | $323 | 1.09% |
| JOSEPH L DILEO3 | 300 CORPORATE PARKWAY SUITE 216N AMHERST, NY 142261259 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $161 | — | $161 | 0.54% |
| MARK B. KOSTRZESKI3 | 120 W TUPPER ST., SUITE 200 BUFFALO, NY 14201 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPOWER LIFE&ANNUITY INSURANCE CO RECORDKEEPER | Recordkeeping fees Service code 64 | 8515 EAST ORCHARD ROAD GREENWOOD VILLAGE, CO 80111 | $28K |
| PPS PENSION SERVICES, INC. EIN 16-1062503 REORDKEEPER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | — | $19K |
| MASSACHUSETTS MUTUAL LIFE INSURANCE EIN 04-1590850 SERVICE PROVIDER | Recordkeeping fees; Float revenue Service code 62 | — | $14K |
| GLOBAL RETIREMENT PARTNERS LLC EIN 47-1411118 INVESTMENT ADVISOR | Investment advisory (plan) Service code 27 | — | $11K |
| MMLIS INVESTORS SERVICES INC | Insurance brokerage commissions and fees; Other commissions Service code 53 | — | $1K |
| MML INVESTORS SERVICES, INC. EIN 04-2746212 BROKER/ADVISOR | Other commissions; Insurance brokerage commissions and fees Service code 53 | — | $0 |
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 | 84 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 42 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 18 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18 | — |
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.