| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERITAIN HEALTH | 300 CORPORATE PKWY AMHERST, NY 14226 | SYMETRA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NONE | Claims processing Service code 12 | 300 CORPORATE PKWY 100S AMHERST, NY 14226 | $83K |
| INNOVATIVE SOFTWARE SOLUTIONS, INC EIN 23-2182079 NONE | Other services Service code 49 | — | $26K |
| MEYER UNKOVIC AND SCOTT EIN 25-1008021 NONE | Legal Service code 29 | — | $24K |
| FRISSORA & ASSOCIATES NONE | Consulting (general) Service code 16 | 103 BRADFORD RD, SUITE 105 WEXFORD, PA 15090 | $24K |
| ANDCO CONSULTING EIN 59-3676225 NONE | Consulting (general) Service code 16 | 4901 VINELAND RD SUITE 600 ORLANDO, FL 32811 | $13K |
| BENEFLEX, INC. NONE | Claims processing Service code 12 | 1030 STATE STREET, SUITE 2 ERIE, PA 16501 | $12K |
| FELIX AND GLOEKLER, PC EIN 26-0001555 NONE | Accounting (including auditing) Service code 10 | — | $11K |
| FINDLEY EIN 34-1213174 NONE | Actuarial Service code 11 | — | $9K |
| PNC FINANCIAL SERVICES GROUP EIN 25-1435979 NONE | Investment management Service code 28 | — | $7K |
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 | 245 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SYMETRA LIFE INSURANCE COMPANY | 243 | $636K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 243 | $636K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.