| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRION GROUP, INC.3 Filed as: TRION GROUP | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $26K | — | $26K | 4.90% |
| NORTHWEST INSURANCE SERVICES3 | 3517 UNION RD BUFFALO, NY 14225 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $6K | — | $6K | 1.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | FIRST UNUM LIFE INSURANCE COMPANY | $26K | $6K | $32K | 11.61% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | VISION SERVICE PLAN | $2K | — | $2K | 2.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN | STE 200 3331 W BIG BEAVER RD TROY, MI 48084 | FIRST UNUM LIFE INSURANCE COMPANY | $11K | $2K | $12K | 15.97% |
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 | 1,334 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 1,334 | $521K |
| Vision(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 1,334 | $608K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 911 | $279K |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 911 | $356K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 911 | $279K |
| Prescription drug | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 1,334 | $521K |
| Other | EMPLOYEE SERVICES INC | 1,145 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,334 | — |
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."
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.