| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HR BENEFIT ADVISORS3 | 74 BROWNS RACE SUITE 200 ROCHESTER, NY 14614 | SUN LIFE AND HEALTH INSURANCE COMPANY | $10K | — | $10K | 9.35% |
| UNITED BENEFITS ADVISORS INC3 Filed as: UNITED BENEFITS ADVISORS INC. | 20 N WACKER DR SUITE 500 CHICAGO, IL 60606 | SUN LIFE AND HEALTH INSURANCE COMPANY | — | $492 | $492 | 0.46% |
| HR BENEFIT ADVISORS3 | 74 BROWNS RACE SUITE 200 ROCHESTER, NY 14614 | SUN LIFE AND HEALTH INSURANCE COMPANY | $4K | — | $4K | 5.13% |
| HR BENEFIT ADVISORS3 | 74 BROWNS RACE SUITE 200 ROCHESTER, NY 14614 | GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 9.16% |
| HR BENEFIT ADVISORS3 Filed as: HR BENEFIT ADVISORS LTD | 208 MILL STREET SUITE 400 ROCHESTER, NY 14614 | HARTFORD LIFE INSURANCE O. | $113 | — | $113 | 15.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GUARDIAN LIFE INSURANCE COMPANY EIN 13-5123390 CLAIMS PROCESSING | Claims processing Service code 12 | — | $13K |
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 | 227 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENT HEALTH | 62 | $277K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 169 | $15K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 227 | $108K |
| Short-term disability(2 contracts) | SUN LIFE AND HEALTH INSURANCE COMPANY | 234 | $195K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 227 | $108K |
| Prescription drug | INDEPENDENT HEALTH | 62 | $277K |
| Other | HARTFORD LIFE INSURANCE O. | 186 | $750 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.