| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M&T INSURANCE AGENCY INC3 Filed as: M&T INSURANCE AGENCY | 101 SOUTH SALINA STREET, 4TH FLOOR SYRACUSE, NY 13202 | UNIVERA HEALTHCARE | $32K | $0 | $32K | 1.84% |
| M&T BANK3 Filed as: M&T INNSURANCE AGENCY | 285 DELAWARE AVE, STE 4000 BUFFALO, NY 142021885 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 1.49% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 142042265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | -$28K | -$28K | -8.50% |
| M&T INSURANCE AGENCY INC3 Filed as: M & T INSURANCE AGENCY INC | 285 DELAWARE AVE STE 4000 BUFFALO, NY 14202 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 13.25% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | -$12K | -$12K | -74.48% |
| M&T INSURANCE AGENCY INC3 | 285 DELAWARE AVE, STE 4000 BUFFALO, NY 142021885 | MET LIFE | $988 | $0 | $988 | 12.96% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST FL 8 BUFFALO, NY 142042265 | MET LIFE | $0 | -$613 | -$613 | -8.04% |
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 | 347 | 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) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIVERA HEALTHCARE | 277 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 557 | $324K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 557 | $324K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 557 | $324K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 557 | $324K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 557 | $324K |
| Prescription drug | UNIVERA HEALTHCARE | 277 | $1.8M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 557 | $348K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 557 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.