| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC D/B/A PREMI | 1416 SWEET HOME RD STE 5 6 AMHERST, NY 142282784 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $180 | $3K | 5.41% |
| PREMIER CONSULTING ASSOCIATES LLC3 Filed as: PREMIER CONSULTING ASSOCIATES, LLC | 1416 SWEET HOME ROAD, SUITE 506 AMHERST, NY 14228 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $425 | $425 | 0.85% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA CRAWFOR | 1416 SWEET HOME RD STE 6 AMHERST, NY 142282784 | METROPOLITAN LIFE INSURANCE COMPANY | — | $385 | $385 | 0.77% |
| PREMIER CONSULTING ASSOCIATES LLC3 Filed as: PREMIER CONSULTING ASSOCIATES, LLC | 1416 SWEET HOME ROAD, SUITE 506 AMHERST, NY 14228 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $15 | $15 | 0.03% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC D/B/A PREMI | 1416 SWEET HOME RD STE 5 6 AMHERST, NY 142282784 | METROPOLITAN LIFE INSURANCE COMPANY | — | $15 | $15 | 0.03% |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 182 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.