| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M&T INSURNACE AGENCY INC. | 285 DELAWARE AVE., SUITE 4000 BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | $990 | $9K | 16.25% |
| M&T INSURNACE AGENCY INC. Filed as: M&T INSURNACE AGENCY | 285 DELAWARE AVE., SUITE 400 BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE CARRIER | $4K | $727 | $5K | 10.80% |
| M&T INSURANCE AGENCY INC Filed as: M&T INSURANCE AGENCY INC. | 285 DELAWARE AVE., SUITE 4000 BUFFALO, NY 14202 | UNUM LIFE INSURNACE COMPANY | $4K | $1K | $5K | 11.81% |
| M&T INSURNACE AGENCY INC. | 285 DELAWARE AVE. SUITE 4000 BUFFALO, NY 14202 | FIRST UNUM LIFE INSURNACE COMPANY | $1K | $0 | $1K | 3.89% |
| SMITH, THOMAS, CHRISTOPHER | PO BOX 6650 METAIRIE, LA 70009 | FIRST UNUM LIFE INSURNACE COMPANY | $973 | $35 | $1K | 2.91% |
| M&T INSURNACE AGENCY INC. Filed as: M&T INSURNACE AGENCY | 285 DELAWARE AVE., SUITE 4000 BUFFALO, NY 14202 | EASTERN VISION SERVICE PLAN | $425 | — | $425 | 2.48% |
| M&T INSURANCE AGENCY INC3 Filed as: M&T INSURANCE AGENCY, INC. | 285 DELAWARE AVE. BUFFALO, NY 14202 | HARTFORD LIFE INSURNACE CO. | $45 | — | $45 | 15.00% |
| M&T INSURNACE AGENCY INC. Filed as: M&T INSURNACE AGENCY INC | 285 DELAWARE AVE., SUITE 4000 BUFFALO, NY 14202 | BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | $29K | $13K | $43K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRO BENEFITS ADMINISTRATORS EIN 16-1514371 THIRD PARTY ADMINISTRATOR | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 100 CORPORATE PARKWAY, SUITE 334 AMHERST, NY 14226 | $10K |
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 | 349 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | 363 | $0 |
| Vision | EASTERN VISION SERVICE PLAN | 120 | $17K |
| Life insurance | FIRST UNUM LIFE INSURANCE CARRIER | 334 | $45K |
| Short-term disability | UNUM LIFE INSURNACE COMPANY | 1,074 | $43K |
| Long-term disability | FIRST UNUM LIFE INSURANCE CARRIER | 334 | $45K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | 363 | $0 |
| Other(6 contracts, 5 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 363 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,074 | — |
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.