| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 Filed as: ASSOCIATES OF CLIFTON PARK INSURANC | 747 PIERCE ROAD CLIFTON PARK, NY 12065 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 8.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP INCORPORATED | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 3.69% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: ASSOCIATES OF CLIFTON PARK INSURANC | 747 PIERCE ROAD CLIFTON PARK, NY 12065 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 8.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP INCORPORATED | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $298 | — | $298 | 1.80% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: ASSOCIATES OF CLIFTON PARK INSURANC | 747 PIERCE ROAD CLIFTON PARK, NY 12065 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 12.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP INCORPORATED | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $414 | — | $414 | 2.81% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: ASSOCIATES OF CLIFTON PARK INSURANC | 747 PIERCE ROAD CLIFTON PARK, NY 12065 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $182 | — | $182 | 12.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP INCORPORATED | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $32 | — | $32 | 2.24% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: ASSOCIATES OF CLIFTON PARK INSURANC | 747 PIERCE ROAD CLIFTON PARK, NY 12065 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $60 | — | $60 | 16.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP INCORPORATED | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12 | — | $12 | 3.33% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 319 | $17K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 319 | $65K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 319 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.