| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT BROKERS OF WNY, LLC3 | 4446 MAIN STREET, SUITE 200 AMHERST, NY 14226 | UNITEDHEALTHCARE INSURANCE COMPANY | $33K | $92K | $125K | 5.19% |
| STAHL & ASSOCIATES INSURANCE INC.3 Filed as: STAHL & ASSOCIATES INSURANCE | 110 CARILLON PKWY SAINT PETERSBURG, FL 337161201 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $7K | $7K | 0.28% |
| BENEFIT BROKERS OF WNY, LLC3 | 4446 MAIN STREET, SUITE 200 AMHERST, NY 14226 | HIGHMARK BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | $22K | — | $22K | 4.11% |
| BENEFIT BROKERS OF WNY, LLC3 | 1408 SWEET HOME ROAD #1 AMHERST, NY 14174 | SOLSTICE HEALTH INSURANCE COMPANY | $19K | — | $19K | 10.00% |
| BENEFIT BROKERS OF WNY, LLC3 | 4446 MAIN STREET, SUITE 200 AMHERST, NY 14226 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 3.67% |
| BENEFIT BROKERS OF WNY, LLC3 | 4446 MAIN STREET, SUITE 200 AMHERST, NY 14226 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | — | $5K | 6.84% |
| BENEFIT BROKERS OF WNY, LLC3 | 4446 MAIN STREET, SUITE 200 AMHERST, NY 14226 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 6.40% |
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 | 275 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 445 | $2.9M |
| Dental | SOLSTICE HEALTH INSURANCE COMPANY | 564 | $187K |
| Vision | SOLSTICE HEALTH INSURANCE COMPANY | 564 | $187K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 263 | $45K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 263 | $106K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 263 | $69K |
| Prescription drug | HIGHMARK BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | 95 | $527K |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 263 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 564 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.