| 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 | $32K | $32K | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE | 3600 N CAPITAL OF TEXAS HWY BLDG. B, SUITE 100 AUSTIN, TX 78746 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $13K | $13K | 2.11% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE | 3600 N CAPITAL OF TEXAS HWY BLDG. B, SUITE 100 AUSTIN, TX 78746 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $6K | $6K | 1.29% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE | 3600 NORTH CAPITAL OF TEXAS HWY BLDG. B, SUITE 100 AUSTIN, TX 78746 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $38K | $7K | $45K | 11.88% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENFITS INC. | 199 SCOTT STREET, 8TH FLOOR SUITE 800 BUFFALO, NY 14204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $559 | $4K | 6.95% |
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 | 3,502 | 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) | 3,515 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,907 | $301K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,387 | $380K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,389 | $633K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,651 | $491K |
| Other(4 contracts, 4 carriers) | ARMADA CARE | 3,298 | $379K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,389 | — |
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.