| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MANNING & NAPIER BENEFITS LLC3 Filed as: MANNING & NAPIER BENEFITS, LLC | 290 WOODCLIFF DR FAIRPORT, NY 14450 | EXCELLUS BLUECROSS BLUESHIELD | $97K | — | $97K | 2.66% |
| MANNING & NAPIER BENEFITS LLC3 Filed as: MANNING & NAPIER BENEFITS | 290 WOODCLIFF DR FAIRPORT, NY 14450 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 11.27% |
| BDS CORP OF CNY INC.3 Filed as: BDS CORP OF CNY | 5015 CAMPUSWOOD DR STE 204 EAST SYRACUSE, NY 13057 | HARTFORD LIFE AND ACCIDENT | $857 | — | $857 | 1.06% |
| MANNING & NAPIER BENEFITS LLC3 Filed as: MANNING & NAPIER BENEFITS, LLC | 290 WOODCLIFF DR FAIRPORT, NY 14450 | HM LIFE INSURANCE COMPANY OF NY | $2K | — | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LIFETIME BENEFIT SOLUTIONS EIN 16-1171765 TPA | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $12K |
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 | 324 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 326 | $3.7M |
| Vision | HM LIFE INSURANCE COMPANY OF NY | 209 | $20K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 226 | $81K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 226 | $81K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 326 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.