| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY INC | 285 DELAWARE AVENUE SUITE 4000 BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $730 | $3K | 16.88% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY INC | 285 DELAWARE AVENUE SUITE 4000 BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $543 | $3K | 16.71% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY INC | 285 DELAWARE AVENUE SUITE 4000 BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $445 | $2K | 17.13% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY INC | 285 DELAWARE AVENUE SUITE 4000 BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $765 | $335 | $1K | 11.68% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY INC | 285 DELAWARE AVENUE SUITE 4000 BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $335 | $2K | 17.12% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY INC | 285 DELAWARE AVENUE SUITE 4000 BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $920 | $245 | $1K | 16.78% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY INC | 285 DELAWARE AVENUE SUITE 4000 BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $655 | $175 | $830 | 16.97% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY INC | 285 DELAWARE AVENUE SUITE 4000 BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $394 | $175 | $569 | 11.73% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY INC | 285 DELAWARE AVENUE SUITE 4000 BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $609 | $162 | $771 | 16.52% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY INC | 285 DELAWARE AVENUE SUITE 4000 BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $277 | $158 | $435 | 9.82% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY INC | 285 DELAWARE AVENUE SUITE 4000 BUFFALO, NY 14202 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1 | $1 | $2 | 0.05% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY INC | 285 DELAWARE AVENUE SUITE 4000 BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $474 | $126 | $600 | 17.20% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY INC | 285 DELAWARE AVENUE SUITE 4000 BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $484 | $129 | $613 | 17.66% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY INC | 285 DELAWARE AVENUE SUITE 4000 BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $426 | $114 | $540 | 17.06% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY INC | 285 DELAWARE AVENUE SUITE 4000 BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $227 | $105 | $332 | 11.52% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY INC | 285 DELAWARE AVENUE SUITE 4000 BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $345 | $92 | $437 | 16.62% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY INC | 285 DELAWARE AVENUE SUITE 4000 BUFFALO, NY 14202 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $10 | $8 | $18 | 0.88% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY INC | 285 DELAWARE AVENUE SUITE 4000 BUFFALO, NY 14202 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3 | $2 | $5 | 0.25% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY INC | 285 DELAWARE AVENUE SUITE 4000 BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $245 | $65 | $310 | 17.11% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY INC | 285 DELAWARE AVENUE SUITE 4000 BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $102 | $46 | $148 | 11.69% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY INC | 285 DELAWARE AVENUE SUITE 4000 BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $93 | $41 | $134 | 11.57% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY INC | 285 DELAWARE AVENUE SUITE 4000 BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $88 | $36 | $124 | 11.74% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY INC | 285 DELAWARE AVENUE SUITE 4000 BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $129 | $34 | $163 | 17.09% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY INC | 285 DELAWARE AVENUE SUITE 4000 BUFFALO, NY 14202 | FIRST UNUM LIFE INSURANCE COMPANY | $85 | $23 | $108 | 12.77% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY INC | 285 DELAWARE AVENUE SUITE 4000 BUFFALO, NY 14202 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2 | $1 | $3 | 0.42% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY INC | 285 DELAWARE AVENUE SUITE 4000 BUFFALO, NY 14202 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $5 | $4 | $9 | 1.27% |
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 | 324 | 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) | 324 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SOLSTICE HEALTH INSURANCE COMPANY | 1,772 | $10K |
| Vision | SOLSTICE HEALTH INSURANCE COMPANY | 1,772 | $10K |
| Life insurance(14 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 158 | $65K |
| Short-term disability(7 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 33 | $51K |
| Stop-loss / reinsurancereinsurance | UNUM GROUP | 752 | $99K |
| Other(21 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 158 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,772 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.