| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | UNKNOWN DALLAS, TX 75251 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $0 | $8K | $8K | 5.42% |
| THE BERT COMPANY3 | 800 STATE STREET, SUITE 500 ERIE, PA 16501 | AFLAC | $6K | $0 | $6K | 7.11% |
| MICHAEL P FARLEY3 Filed as: MICHAEL P. FARLEY | 1412 SWEET HOME ROAD, SUITE 2 AMHERST, NY 14228 | AFLAC | $4K | $49 | $4K | 4.51% |
| MJ INSURANCE3 Filed as: STEVEN J. ODELL AND VARIOUS AGENTS | 4970 FLATSTONE ROAD ALLEGANY, NY 14706 | AFLAC | $389 | $24 | $413 | 0.48% |
| PAMALA KARDEEN3 | 17 JAMESTOWN STREET, SUITE 1 GOWANDA, NY 14070 | AFLAC | $374 | $31 | $405 | 0.47% |
| JILL A SPIRA3 Filed as: JILL A. SPIRA | 354 3RD STREET YOUNGSTOWN, NY 14174 | AFLAC | $351 | $0 | $351 | 0.41% |
| GREGORY A KRAUZA3 Filed as: GREGORY A. KRAUZA | 35 EAST MAIN STREET, SUITE 2 FREDONIA, NY 14063 | AFLAC | $289 | $0 | $289 | 0.34% |
| LARAY KREBS3 Filed as: LARAY J. KREBS | 2590 LENOX ROAD COLLINS, NY 14034 | AFLAC | $197 | $0 | $197 | 0.23% |
| THE BERT COMPANY3 | 800 STATE STREET, SUITE 200 ERIE, PA 16501 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.14% |
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 | 225 | 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) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 149 | $36K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 225 | $153K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 225 | $153K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 225 | $153K |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 225 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.