| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUFLIFE AGENCY INC | 300 CORPORATE PKWY AMHERST, NY 14226 | EXCELLUS BLUE CROSS/BLUE SHIELD | $25K | — | $25K | 2.63% |
| MONROE COUNTY BAR ASSOCIATION | 255 EAST AVENUE SUITE 305 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS/BLUE SHIELD | — | $6K | $6K | 0.65% |
| BUFLIFE AGENCY INC | 300 CORPORATE PKWY AMHERST, NY 14426 | MVP | $30K | — | $30K | 3.99% |
| BUFLIFE AGENCY INC | 300 CORPORATE PWY SUITE 200N AMHERST, NY 14226 | METLIFE | $5K | — | $5K | 10.00% |
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 | 186 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EXCELLUS BLUE CROSS/BLUE SHIELD | 104 | $1.7M |
| Dental | METLIFE | 54 | $50K |
| Vision | METLIFE | 54 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.