| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | EXCELLUS BLUE CROSS BLUE SHIELD | $73K | $0 | $73K | 3.59% |
| PAYCHEX INSURANCE AGENCY, INC.3 | PO BOX 948 HENRIETTA, NY 14467 | SUN LIFE AND HEALTH INSURANCE COMPANY | $14K | $0 | $14K | 8.75% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 225 KENNETH DRIVE ROCHESTER, NY 14623 | SUN LIFE AND HEALTH INSURANCE COMPANY | $0 | $5K | $5K | 2.89% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.19% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY | 285 DELAWARE AVENUE, SUITE 4000 BUFFALO, NY 14202 | METROPOLITAN LIFE INSURANCE COMPANY | $347 | $0 | $347 | 0.30% |
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 | 259 | 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) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 142 | $2.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 320 | $118K |
| Vision | HM LIFE INSURANCE COMPANY | 218 | $4K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 259 | $165K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 259 | $165K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 259 | $165K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 142 | $2.0M |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY | 259 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.