| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MERIDIAN CENTER BOULEVARD ROCHESTER, NY 14618 | EXCELLUS BLUE CROSS BLUE SHIELD | $77K | — | $77K | 3.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30 CENTURY HILL DRIVE, SUITE 200 LATHAM, NY 12110 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $19K | $0 | $19K | 13.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30 CENTURY HILL DRIVE, SUITE 200 LATHAM, NY 12110 | EXCELLUS BLUE CROSS BLUE SHIELD | $7K | $0 | $7K | 7.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MERIDIAN CENTER BOULEVARD ROCHESTER, NY 14618 | MVP HEALTHCARE | $825 | $0 | $825 | 2.10% |
| KENDRA TRAMMEL & OTHER AGENTS3 | 2776 STATE ROUTE 31 WEEDSPORT, NY 13166 | AFLAC | $1K | $5 | $1K | 3.73% |
| MARYKAYE HOLDEN3 | 12 HERON WAY NORTH FAIRPORT, NY 14450 | AFLAC | $747 | $0 | $747 | 2.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $546 | $0 | $546 | 1.99% |
| LAURA ANNE CALARCO3 | 340 HORSE CREEK DRIVE APARTMENT 208 NAPLES, FL 34110 | AFLAC | $492 | $39 | $531 | 1.94% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 500 PLUM STREET, SUITE 200 SYRACUSE, NY 13204 | AFLAC | $347 | $0 | $347 | 1.27% |
| JOSEPH P CALARCO3 Filed as: JOSEPH P. CALARCO | PO BOX 130 AUBURN, NY 13021 | AFLAC | $220 | $5 | $225 | 0.82% |
| BRENDAN MCCARTHY AND CREW INC3 Filed as: BRENDAN MCCARTHY AND CREW, INC. | 39 SAGINAW DRIVE, SUITE 2 ROCHESTER, NY 14623 | AFLAC | $198 | $0 | $198 | 0.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $547 | $2K | 12.37% |
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 | 124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 126 | $2.4M |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 140 | $103K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $16K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 205 | $142K |
| Short-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 205 | $142K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 205 | $142K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 126 | $2.3M |
| Other(3 contracts, 3 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 250 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.