| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIAZON BENEFITS INC5 Filed as: LIAZON BENEFITS, INC | 199 SCOTT ST 8TH FL BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $29K | $29K | 4.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER STE 2000 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $1K | $7K | 1.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC | 233 S WACKER DRIVE SUITE 2000 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | $1K | $32K | 62.06% |
| LIAZON BENEFITS INC5 Filed as: LIAZON BENEFITS, INC | 199 SCOTT ST 8TH FL BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 2.84% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $929 | $929 | 1.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 233 SOUTH WACKER DRIVE CHICAGO, IL 60606 | EYEMED | $4K | — | $4K | 9.14% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT ST 8TH FL BUFFALO, NY 14204 | EYEMED | $2K | — | $2K | 4.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC | 233 S WACKER DRIVE SUITE 2000 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $880 | $26K | 62.45% |
| LIAZON BENEFITS INC5 Filed as: LIAZON BENEFITS, INC | 199 SCOTT ST 8TH FL BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 2.85% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC | 199 SCOTT ST 8TH FL BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $762 | $762 | 1.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC | 233 S WACKER DRIVE SUITE 2000 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $740 | $22K | 61.83% |
| LIAZON BENEFITS INC5 Filed as: LIAZON BENEFITS, INC | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 2.84% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC | 199 SCOTT ST 8TH FL BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $618 | $618 | 1.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC | 200 LIBERTY STREET 7TH FLOOR NEW YORK, NY 10281 | AXIS INSURANCE COMPANY | $2K | — | $2K | 25.00% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC | 737 MAIN STREET BUFFALO, NY 14203 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $649 | $935 | $2K | 24.42% |
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 | 592 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 57 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 652 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 836 | $588K |
| Vision | EYEMED | 941 | $48K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 836 | $588K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 836 | $588K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 836 | $588K |
| Other(6 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 836 | $733K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 941 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.