| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMTON, INC.3 | 2060 FAIRPORT NINE MILE POINT ROAD PENFIELD, NY 14526 | BEECHWOOD HEALTH CARE CENTER (SELF-INSURED) | $15K | — | $15K | 12.27% |
| COMTON, INC.3 | P.O. BOX 827 PENFIELD, NY 14526 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $357 | $3K | 9.54% |
| COMTON, INC.3 | P.O. BOX 827 PENFIELD, NY 14526 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| COMTON, INC.3 Filed as: COMTON INC | P.O. BOX 827 PENFIELD, NY 14526 | METROPOLITIAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| COMTON, INC.3 | P.O. BOX 827 PENFIELD, NY 14526 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $380 | $56 | $436 | 17.22% |
| COMTON, INC.3 | P.O. BOX 827 PENFIELD, NY 14526 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $199 | $16 | $215 | 16.21% |
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 | 327 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BEECHWOOD HEALTH CARE CENTER (SELF-INSURED) | 209 | $118K |
| Vision | METROPOLITIAL LIFE INSURANCE COMPANY | 187 | $11K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 331 | $26K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 28 | $25K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 6 | $3K |
| Other(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 331 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.