| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | HARTFORD LIFE AND ACCIDENT | $29K | $7K | $36K | 11.31% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST BUFFALO, NY 14204 | HARTFORD LIFE AND ACCIDENT | — | $303 | $303 | 0.10% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 1.67% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $1K | $8K | 9.59% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST, 8TH FL BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 4.04% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | KAISER FOUNDATION HEALTH PLAN INC | $1K | — | $1K | 1.53% |
| WILLIS TOWERS WATSON US LLC4 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $779 | $5K | 8.99% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST. FL 8 BUFFALO, NY 142042265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 3.77% |
| WILLIS TOWERS WATSON US LLC4 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $28 | $28 | 0.06% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $6K | — | $6K | 13.21% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION-EXCHANGE | 199 SCOTT ST, 8TH FL BUFFALO, NY 14204 | EYEMED VISION CARE | $3K | — | $3K | 6.60% |
| EMPYREAN INSURANCE SERVICES, INC.2 Filed as: EMPYREAN INSURANCE SERVICES | PO BOX 2569 BELLAIRE, TX 77402 | EYEMED VISION CARE | $2 | — | $2 | 0.00% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $2K | — | $2K | 13.52% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION-EXCHANGE | 199 SCOTT ST, 8TH FL BUFFALO, NY 14204 | EYEMED VISION CARE | $1K | — | $1K | 6.74% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC | 737 MAIN STREET BUFFALO, NY 14203 | METLIFE LEGAL PLANS | — | $1K | $1K | 12.72% |
| WILLIS TOWERS WATSON US LLC4 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | EYEMED VISION CARE | $156 | — | $156 | 12.65% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION-EXCHANGE | 199 SCOTT ST, 8TH FL BUFFALO, NY 14204 | EYEMED VISION CARE | $78 | — | $78 | 6.33% |
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 | 628 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 34 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 670 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 636 | $419K |
| Vision(3 contracts) | EYEMED VISION CARE | 627 | $61K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 746 | $319K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 746 | $319K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 746 | $319K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 35 | $232K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 964 | $342K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 964 | — |
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.