| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SVCS INC - NY | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $70K | — | $70K | 3.68% |
| BROWN & BROWN INSURANCE SERVICES3 | 500 PLUM ST SYRACUSE, NY 13204 | AMERITAS LIFE INSURANCE CORP OF NEW YORK | $1K | — | $1K | 8.03% |
| ROBERT DUHOSKI3 | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $218 | — | $218 | 4.69% |
| ROBERT DUHOSKI3 | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $41 | — | $41 | 3.42% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | 800 PARKER HILL DR STE 100 ROCHESTER, NY 14625 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $7 | — | $7 | 0.58% |
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 | 517 | 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) | 517 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 170 | $1.9M |
| Vision | AMERITAS LIFE INSURANCE CORP OF NEW YORK | 354 | $16K |
| Long-term disability(2 contracts) | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 7 | $6K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 170 | $1.9M |
| Other | HELP PEOPLE | 517 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 517 | — |
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.