| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS INC. | 199 SCOTT STREET FLOOR 8 BUFFALO, NY 142042265 | METROPOLITAN LIFE INSURANCE COMPANY | $38K | — | $38K | 3.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $17K | $17K | 1.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | — | $11K | $11K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | PO BOX 28852 NEW YORK, NY 100878852 | VISION SERVICE PLAN | $8K | — | $8K | 7.49% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC. | 199 SCOTT STREET BUFFALO, NY 14204 | VISION SERVICE PLAN | $4K | — | $4K | 3.74% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFIT INC. | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | AETNA LIFE INSURANCE CO. | $6K | — | $6K | 9.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE CO. | — | $2K | $2K | 2.72% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC. | 199 SCOTT STREET BUFFALO, NY 14204 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $5K | $7K | $12K | 25.80% |
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 | 1,029 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,049 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED BEHAVIORAL HEALTH DBA OPTUM | 1,040 | $13K |
| Dental | AETNA LIFE INSURANCE CO. | 424 | $68K |
| Vision | VISION SERVICE PLAN | 699 | $105K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,132 | $1.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,132 | $1.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,132 | $1.1M |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 715 | $223K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,132 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,132 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.