| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 45 EAST AVENUE # 700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $53K | — | $53K | 4.08% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 500 PLUM STREET SUITE 200 SYRACUSE, NY 13204 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.97% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF | PO BOX 745834 ATLANTA, GA 30374 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.92% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | ONE BEACON STREET SUITE 17100 BOSTON, MA 21088 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.69% |
| BRIAN MCLAUCHLAN3 | 8214 CICERO MILLS ROAD CICERO, NY 13039 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | — | $1K | 11.36% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NEW YORK INC | 401 SOUTH MAIN STREET NORTH SYRACUSE, NY 13212 | THE PAUL REVERE LIFE INSURANCE COMPANY | $958 | — | $958 | 7.74% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 401 SOUTH MAIN STREET NORTH SYRACUSE, NY 13212 | THE PAUL REVERE LIFE INSURANCE COMPANY | $755 | — | $755 | 6.10% |
| MARTIN NASCI3 | 8640 ELMER HILL ROAD APARTMENT 3B ROME, NY 13440 | THE PAUL REVERE LIFE INSURANCE COMPANY | $680 | — | $680 | 5.49% |
| PERRY L KANFER3 | 525 PLUM STREET SYRACUSE, NY 13204 | THE PAUL REVERE LIFE INSURANCE COMPANY | $450 | — | $450 | 3.63% |
| SUSAN SMITH3 | 1216 LANDRUSH WAY BALDWINSVILLE, NY 13027 | THE PAUL REVERE LIFE INSURANCE COMPANY | $394 | — | $394 | 3.18% |
| JAMES NICHOLSON3 | 4326 RIDGE ROAD WILLIAMSON, NY 14589 | THE PAUL REVERE LIFE INSURANCE COMPANY | $118 | $3 | $121 | 0.98% |
| ELEVATION ASSOCIATES LLC3 | 4326 RIDGE ROAD WILLIAMSON, NY 14589 | THE PAUL REVERE LIFE INSURANCE COMPANY | $27 | $16 | $43 | 0.35% |
| EMPLOYEE COVERAGE SOLUTIONS LLC3 | 4300 CINNAMON PATH LIVERPOOL, NY 13090 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.02% |
| BROWN & BROWN INSURANCE SERVICES3 | 45 EAST AVENUE ROCHESTER, NY 14604 | VISION SERVICE PLAN | $21 | — | $21 | 0.34% |
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 | 292 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 102 | $1.3M |
| Vision | VISION SERVICE PLAN | 69 | $6K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 292 | $82K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 102 | $1.3M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 375 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.