| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIAZON BENEFITS INC3 | 199 SCOTT ST 8TH FL BUFFALO, NY 14204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 5.75% |
| HAMPSON MOWRER AGENCY LLC3 Filed as: HAMPSON MOWRER KREITZ | 54 S COMMERCE WAY STE 150 BETHLEHEM, PA 18017 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 5.51% |
| HAMPSON MOWRER AGENCY LLC3 | 54 S COMMERCE WAY STE 150 BETHLEHEM, PA 18017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.41% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT ST STE 150 BUFFALO, NY 14204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $241 | $241 | 0.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FL ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $324 | $5K | 18.94% |
| HAMPSON MOWRER AGENCY LLC3 Filed as: HAMPSON MOWRER AGENCY INC | 54 S COMMERCE WAY STE 150 BETHLEHEM, PA 18017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 14.72% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST STE 800 BUFFALO, NY 14204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $983 | $49 | $1K | 4.00% |
| HAMPSON MOWRER AGENCY LLC3 | 54 S COMMERCE WAY STE 150 BETHLEHEM, PA 18017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 11.10% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT ST 8TH BUFFALO, NY 14204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $116 | $116 | 0.48% |
| HAMPSON MOWRER AGENCY LLC3 | 54 S COMMERCE WAY STE 150 BETHLEHEM, PA 18017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 12.59% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT ST 8TH FL BUFFALO, NY 14204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $60 | $60 | 0.32% |
| HAMPSON MOWRER AGENCY LLC3 | 54 S COMMERCE WAY STE 150 BETHLEHEM, PA 18017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $876 | $33 | $909 | 10.46% |
| HAMPSON MOWRER AGENCY LLC3 | 54 S COMMERCE WAY STE 150 BETHLEHEM, PA 18017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $876 | — | $876 | 10.08% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT ST 8TH FL BUFFALO, NY 14204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $33 | $33 | 0.38% |
| HAMPSON MOWRER AGENCY LLC3 | 54 S COMMERCE WAY STE 150 BETHLEHEM, PA 18017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $145 | — | $145 | 13.34% |
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 | 173 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $114K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $114K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 173 | $29K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 161 | $42K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 161 | $24K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 173 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.