| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC (TRION) | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $32K | $3K | $35K | 16.47% |
| MARSH & MCLENNAN AGENCY LLC Filed as: TRION GRP A MARSH & MCLENNAN AGCY L | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34K | — | $34K | 21.46% |
| LIAZON BENEFITS INC Filed as: LIAZON BENEFITS INC. | 199 SCOTT ST. 8TH FLOOR BUFFALO, NY 14204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $105 | — | $105 | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC (TRION) | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $1K | $14K | 16.58% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY LLC (TRION) | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $874 | $10K | 16.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC (TRION) | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $391 | $4K | 16.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC (TRION) | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $223 | $2K | 16.58% |
| MULTIPLE - DETAIL UPON REQUEST | PO BOX 6 HAMBURG, NY 14075 | AFLAC | $973 | — | $973 | 19.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC (TRION) | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $549 | $55 | $604 | 16.33% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY LLC (TRION) | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $480 | — | $480 | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC (TRION) | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $451 | — | $451 | 15.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC (TRION) | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $414 | $45 | $459 | 16.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC (TRION) | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $166 | $21 | $187 | 12.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC (TRION) | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $212 | $20 | $232 | 16.40% |
| LS & ASSOCIATES INSURANCE CONSULTAN | 1973 OAK TREE COVE HERNANDO, MS 38632 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $205 | — | $205 | 14.97% |
| MULTIPLE - DETAIL UPON REQUEST | PO BOX 6 HAMBURG, NY 14075 | AFLAC | $91 | — | $91 | 8.03% |
| LS & ASSOCIATES INSURANCE CONSULTAN | 1973 OAK TREE COVE HERNANDO, MS 38632 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $45 | — | $45 | 15.15% |
| LS & ASSOCIATES INSURANCE CONSULTAN | 1973 OAK TREE COVE HERNANDO, MS 38632 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $15 | — | $15 | 14.85% |
No Schedule C service providers reported on this filing.
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 | 1,066 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,080 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 45 | $0 |
| Dental(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 2,137 | $9.2M |
| Vision(2 contracts) | EYEMED VISION | 1,843 | $47K |
| Life insurance(5 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 798 | $233K |
| Short-term disability(5 contracts, 3 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 914 | $96K |
| Long-term disability(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 590 | $59K |
| Prescription drug | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 2,137 | $8.9M |
| Other(9 contracts, 5 carriers) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 2,137 | $9.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,137 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.