| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS INC. | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $23K | $23K | 3.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE | PO BOX 28852 COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4K | $4K | 0.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE | PO BOX 28852 COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $27K | $2K | $29K | 9.19% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS INC. | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $13K | $13K | 4.21% |
| CLS PARTNERS EMPLOYEE BENEFITS3 Filed as: CLS PARTNERS EMPLOYEE BENEFIT | 3600 NORTH CAPITAL OF TEXAS HWY BLDG. B, SUITE 100 AUSTIN, TX 78746 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 1.59% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS INC. | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $8K | $8K | 3.77% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE | PO BOX 28852 COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 0.71% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENFITS INC. | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 3.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE | PO BOX 28852 COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $29 | $446 | $475 | 0.77% |
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 | 3,902 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,915 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,659 | $276K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,553 | $318K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,768 | $622K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,561 | $220K |
| Other(3 contracts, 3 carriers) | ARMADA CARE | 3,769 | $352K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,553 | — |
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."
No prospect flags tripped on this filing.