| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREMIER CONSULTING ASSOCIATES LLC3 Filed as: PREMIER CONSULTING ASSOCIATES | 1416 SWEET HOME RD AMHERST, NY 14228 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 10.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | SUN LIFE AND HEALTH INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERICAN FEDERATION OF TEACHERS EIN 16-0925169 PLAN SPONSOR | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 205 YORKSHIRE RD TONAWANDA, NY 141508350 | $79K |
| DELTA DENTAL OF NEW YORK INC NONE | Claims processing Service code 12 | ONE DELTA DRIVE MECHANICSBURG, PA 170556999 | $45K |
| KENMORE-TOWN OF TONAWANDA UFSD EIN 16-6002097 PLAN SPONSOR | Employee (plan sponsor) Service code 35 | 1500 COLVIN BLVD BUFFALO, NY 14223 | $17K |
| THE ZLC GROUP CPAS LLC EIN 47-4753799 NONE | Accounting (including auditing) Service code 10 | 2399 SWEET HOME RD AMHERST, NY 14228 | $13K |
| JEFFREY L OFFHAUS CPA LLC EIN 20-2368569 NONE | Accounting (including auditing) Service code 10 | 240 REDTAIL RD, SUITE 12B ORCHARD PARK, NY 14127 | $8K |
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 | 819 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 819 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,938 | $153K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 790 | $42K |
| Other(2 contracts, 2 carriers) | NYSUT MEMBER BENEFITS CATASTROPHE MAJOR MEDICAL INSURANCE TRUST | 1,261 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,938 | — |
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.