| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 7789 OSWEGO RD LIVERPOOL, NY 13090 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $2K | — | $2K | 3.69% |
| AP BENEFIT ADVISORS, LLC3 | 7789 OSWEGO RD LIVERPOOL, NY 13090 | GUARDIAN | $4K | $645 | $4K | 11.12% |
| AP BENEFIT ADVISORS, LLC3 | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | HM LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| AP BENEFIT ADVISORS, LLC3 | 7789 OSWEGO RD LIVERPOOL, NY 13090 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $518 | — | $518 | 3.23% |
| AP BENEFIT ADVISORS, LLC3 | 7789 OSWEGO RD LIVERPOOL, NY 13090 | HARTFORD LIFE AND ACCIDENT | $121 | — | $121 | 12.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GUARDIAN EIN 13-5123390 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $40K |
| BLITMAN & KING EIN 16-1047304 NONE | Legal; Direct payment from the plan Service code 29 | — | $19K |
| BONADIO & CO., LLP EIN 16-1131146 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $17K |
| MANNING & NAPIER ADVISORS, LLC EIN 45-3328488 NONE | Investment management fees paid directly by plan; Direct payment from the plan Service code 50 | — | $13K |
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 | 800 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 800 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 14 | $222K |
| Dental(2 contracts, 2 carriers) | GUARDIAN | 711 | $78K |
| Vision(2 contracts, 2 carriers) | INDEPENDENT HEALTH | 416 | $61K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 11 | $1K |
| Prescription drug | INDEPENDENT HEALTH | 3 | $38K |
| Other | HARTFORD LIFE AND ACCIDENT | 11 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 711 | — |
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."
No prospect flags tripped on this filing.