| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 777 CANAL VIEW BOULEVARD, SUITE 100 ROCHESTER, NY 14623 | EXCELLUS BLUE CROSS BLUE SHIELD | $118K | $0 | $118K | 2.72% |
| STEPHEN C PLATNER3 Filed as: STEPHEN PLATNER | 11 CHESHAM WAY FAIRPORT, NY 14450 | AMERICAN FAMILY LIFE INSURANCE COMPANY OF NEW YORK | $1K | $64 | $1K | 0.07% |
| USI INSURANCE SERVICES LLC3 | 726 EXCHANGE STREET BUFFALO, NY 14210 | AMERICAN FAMILY LIFE INSURANCE COMPANY OF NEW YORK | $506 | $0 | $506 | 0.02% |
| TERESA STRONG3 Filed as: TERESA STRONG AND OTHER AGENTS | 1070 SKATES STREET THE VILLAGES, FL 32163 | AMERICAN FAMILY LIFE INSURANCE COMPANY OF NEW YORK | $502 | $0 | $502 | 0.02% |
| BRENDAN MCCARTHY AND CREW INC3 Filed as: BRENDAN MCCARTH AND CREW INC | 39 SAGINAW DRIVE, SUITE 2 ROCHESTER, NY 14623 | AMERICAN FAMILY LIFE INSURANCE COMPANY OF NEW YORK | $274 | $7 | $281 | 0.01% |
| SHANE STICKLE3 | 6787 VAIL DRIVE HAMBURG, NY 14075 | AMERICAN FAMILY LIFE INSURANCE COMPANY OF NEW YORK | $158 | $0 | $158 | 0.01% |
| CHARLES MORALES3 | 39 SAGINAW DRIVE ROCHESTER, NY 14623 | AMERICAN FAMILY LIFE INSURANCE COMPANY OF NEW YORK | $145 | $7 | $152 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN FAMILY LIFE INSURANCE COMPANY OF NEW YORK | $100 | $0 | $100 | 0.00% |
| USI INSURANCE SERVICES LLC3 | 777 CANAL VIEW BOULEVARD, SUITE 100 ROCHESTER, NY 14623 | EXCELLUS BLUE CROSS BLUE SHIELD | $21K | $0 | $21K | 4.13% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $18K | $5K | $23K | 9.12% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE INSURANCE COMPANY | $113 | $15 | $128 | 17.07% |
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 | 216 | 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) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | EXCELLUS BLUE CROSS BLUE SHIELD | 333 | $4.8M |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 333 | $4.3M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. OF NY | 509 | $32K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 216 | $252K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 216 | $252K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 216 | $252K |
| Prescription drug(2 contracts) | EXCELLUS BLUE CROSS BLUE SHIELD | 333 | $4.8M |
| Other(3 contracts, 3 carriers) | AMERICAN FAMILY LIFE INSURANCE COMPANY OF NEW YORK | 216 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 509 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.