| 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 | $6K | $6K | 3.03% |
| THE BERT COMPANY3 | 800 STATE STREET, SUITE 500 ERIE, PA 16501 | AFLAC | $3K | $0 | $3K | 5.56% |
| MICHAEL P FARLEY3 Filed as: MICHAEL P. FARLEY | 5586 MAIN STREET, SUITE 209 WILLIAMSVILLE, NY 14221 | AFLAC | $2K | $0 | $2K | 3.25% |
| PAMELA KARDEEN3 | 17 JAMESTOWN STREET, SUITE 1 GOWANDA, NY 14070 | AFLAC | $241 | $0 | $241 | 0.40% |
| JILL A SPIRA3 Filed as: JILL A. SPIRA | 354 3RD STREET YOUNGSTOWN, NY 14174 | AFLAC | $223 | $0 | $223 | 0.37% |
| LARRY J. KREBS3 | 2590 LENOX ROAD COLLINS, NY 14034 | AFLAC | $100 | $0 | $100 | 0.17% |
| GREGORY A KRAUZA3 Filed as: GREGORY A. KRAUZA | 35 EAST MAIN STREET, SUITE 2 FREDONIA, NY 14063 | AFLAC | $79 | $0 | $79 | 0.13% |
| PATRICK J ENGASSER3 Filed as: PATRICK J. ENGASSER | 190 CONANT DRIVE TONAWANDA, NY 14223 | AFLAC | $46 | $0 | $46 | 0.08% |
| THE BERT COMPANY3 | 800 STATE STREET, SUITE 500 ERIE, VA 16501 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.95% |
| USI INSURANCE SERVICES LLC3 | 800 STATE STREET, SUITE 200 ERIE, PA 16501 | VISION SERVICE PLAN | $1K | $0 | $1K | 2.84% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $967 | $0 | $967 | 2.55% |
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 | 276 | 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) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 183 | $38K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 276 | $193K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 276 | $193K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 276 | $193K |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 276 | $253K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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.