| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREMIER CONSULTING ASSOCIATES LLC4 Filed as: PREMIER CONSULTING ASOCIATES LLC | 1416 SWEET HOME ROAD AMHERST, NY 14228 | HM LIFE INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| PREMIER CONSULTING ASSOCIATES LLC3 Filed as: PREMIER CONSULTING ASOCIATES LLC | 1416 SWEET HOME ROAD AMHERST, NY 14228 | SUN LIFE AND HEALTH INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AM FED OF TEACHERS KENMORE TEACHERS EIN 16-0925169 PLAN SPONSOR | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 205 YORKSHIRE ROAD TONAWANDA, NY 14150 | $57K |
| NOVA HEALTHCARE ADMINISTRATORS EIN 16-6443379 NONE | Claims processing Service code 12 | 6125 SHERIDAN DRIVE SUITE 100 WILLIAMSVILLE, NY 14221 | $54K |
| KENMORE-TOWN OF TONAWNADA UFSD EIN 16-6002097 PLAN SPONSOR | Employee (plan sponsor) Service code 35 | 1500 COLVIN BLVD BUFFALO, NY 14223 | $28K |
| THE ZLC GROUP CPAS LLC EIN 47-4753799 NONE | Accounting (including auditing) Service code 10 | 2399 SWEET HOME ROAD AMHERST, NY 14228 | $14K |
| JEFFREY L. OFFHAUS CPA, LLC EIN 20-2368569 NONE | Accounting (including auditing) Service code 10 | 240 REDTAIL ROAD SUITE 12B ORCHARD PARK, NY 14127 | $7K |
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 | 773 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 798 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HM LIFE INSURANCE COMPANY | 2,690 | $110K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 760 | $37K |
| Other(2 contracts, 2 carriers) | NYSUT | 1,426 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,690 | — |
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.