| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BERT COMPANY3 | 800 STATE STREET STE 500 ERIE, PA 16501 | UNIVERA HEALTHCARE | $53K | — | $53K | 3.20% |
| THE BERT COMPANY3 | 800 STATE STREET STE 500 ERIE, PA 16501 | MVP HEALTHCARE | $15K | — | $15K | 4.26% |
| THE BERT COMPANY3 | 800 STATE STREET STE 500 ERIE, PA 16501 | DELTA DENTAL OF NEW YORK | $4K | — | $4K | 4.00% |
| COMTON, INC.3 Filed as: COMTON, INC | 6780 PITTSFORD PALMYRA RD STE. 3A FAIRPORT, NY 14450 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.22% |
| THE BERT COMPANY3 | 800 STATE STREET STE 500 ERIE, PA 16501 | VISION SERVICE PLAN | $1K | — | $1K | 5.27% |
| THE BERT COMPANY | 800 STATE STREET STE 500 ERIE, PA 16501 | FIRST UNUM LIFE INSURANCE COMPANY | $215 | — | $215 | 4.07% |
| THE BERT COMPANY3 | 2517 UNION ROAD BUFFALO, NY 14225 | FIRST UNUM LIFE INSURANCE COMPANY | $158 | — | $158 | 2.99% |
| COMTON, INC.3 Filed as: COMTON, INC | 6780 PITTSFORD PALMYRA RD STE. 3A FAIRPORT, NY 14450 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $138 | — | $138 | 14.98% |
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 | 388 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 392 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNIVERA HEALTHCARE | 205 | $2.0M |
| Dental | DELTA DENTAL OF NEW YORK | 235 | $103K |
| Vision | VISION SERVICE PLAN | 189 | $22K |
| Prescription drug(2 contracts, 2 carriers) | UNIVERA HEALTHCARE | 205 | $2.0M |
| Other(4 contracts, 3 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 519 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 519 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.