| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SMOLA CONSULTING, LLC3 | 1 SOUTH WASHINGTON STREET STE 520 ROCHESTER, NY 14614 | EXCELLUS BLUE CROSS BLUE SHIELD | $56K | — | $56K | 2.01% |
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT, INC. | 777 CANALVIEW BLVD PO BOX 1010 ROCHESTER, NY 14623 | EXCELLUS BLUE CROSS BLUE SHIELD | $28K | — | $28K | 1.00% |
| SMOLA CONSULTING, LLC3 | 1 SOUTH WASHINGTON STREET STE 520 ROCHESTER, NY 14614 | EXCELLUS BLUE CROSS BLUE SHIELD | $8K | — | $8K | 3.30% |
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT, INC. | 777 CANALVIEW BLVD PO BOX 1010 ROCHESTER, NY 14623 | EXCELLUS BLUE CROSS BLUE SHIELD | $2K | — | $2K | 1.01% |
| SMOLA CONSULTING, LLC3 | 1 SOUTH WASHINGTON STREET STE 520 ROCHESTER, NY 14614 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 3.06% |
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT, INC. | 1215 MANOR DR STE 200 MECHANICSBURG, PA 17055 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 2.92% |
| SMOLA CONSULTING, LLC3 | 1 SOUTH WASHINGTON STREET STE 520 ROCHESTER, NY 14614 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | — | $2K | 1.77% |
| FIRST NIAGARA RISK MANAGEMENT3 | 1215 MANOR DR STE 200 MECHANICSBURG, PA 17055 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $861 | — | $861 | 0.76% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, NY 60674 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $12 | — | $12 | 0.01% |
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT, INC. | 1215 MANOR DR STE 200 MECHANICSBURG, PA 17055 | CONTINENTAL CASUALTY COMPANY | $2K | — | $2K | 4.71% |
| STEPHEN C PLATNER3 Filed as: STEPHEN PLATNER | 11 CHESHAM WAY FAIRPORT, NY 14450 | AFLAC | $2K | $43 | $2K | 7.75% |
| SMOLA CONSULTING, LLC3 | 1 SOUTH WASHINGTON STREET STE 520 ROCHESTER, NY 14614 | AFLAC | $813 | $4 | $817 | 2.95% |
| BRENDAN MCCARTHY AND CREW INC3 | 333 METRO PARK SUITE S 108 ROCHESTER, NY 14623 | AFLAC | $704 | $9 | $713 | 2.57% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AFLAC | $344 | — | $344 | 1.24% |
| TERESA STRONG3 | PO BOX 52 MACEDON, NY 14502 | AFLAC | $200 | — | $200 | 0.72% |
| DEBRA PARKER3 Filed as: DEBRA M PARKER | 20 BOWEN ST AUBURN, NY 13021 | AFLAC | $159 | — | $159 | 0.57% |
| JOSEPH P CALARCO3 | 13 ARTERIAL EAST PO BOX 130 AUBURN, NY 13021 | AFLAC | $151 | — | $151 | 0.54% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $76 | — | $76 | 0.27% |
| NICHOLAS J DELIA3 Filed as: NICHOLAS DELIA | 105 BREWSTER DR NEWARK, DE 19711 | AFLAC | $75 | — | $75 | 0.27% |
| BENEFIT RESOURCE GROUP LLC3 Filed as: BENEFIT RESOURCE INC | 2320 BRIGHTON HENRIETTA TOWNLINE RD ROCHESTER, NY 14623 | AFLAC | $45 | — | $45 | 0.16% |
| ANDREW THOMAS3 | 101 OLD COVE RD STE 114 LIVERPOOL, NY 13090 | AFLAC | $43 | — | $43 | 0.16% |
| BRAD JONES AND ASSOCIATES INC3 Filed as: BRAD JONES AND ASSOCIATES | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $30 | $9 | $39 | 0.14% |
| ANTHONY GARDINO3 | 5558 DUSKYWING DR ROCKLEDGE, FL 32955 | AFLAC | $38 | — | $38 | 0.14% |
| STEPHANIE MINER3 | 3400 WILLOW WIND WAY PFAFFTOWN, NC 27040 | AFLAC | $33 | — | $33 | 0.12% |
| TIMOTHY HENDERSON3 | 1151 PITTSFORD VICTOR RD STE 215 PITTSFORD, NY 14534 | AFLAC | $20 | $9 | $29 | 0.10% |
| MICHAEL O'MAY3 | 136 GREENFIELD RD ROCHESTER, NY 14626 | AFLAC | $28 | — | $28 | 0.10% |
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT, INC. | 777 CANALVIEW BLVD SUITE 100 ROCHESTER, NY 14623 | AFLAC | $24 | — | $24 | 0.09% |
| EDWARD B LEAHY III3 | 85 ALLEN ST SUITE 210 ROCHESTER, NY 14608 | AFLAC | $17 | — | $17 | 0.06% |
| DANIEL P DUPRE3 | 4 BEDFORD WAY PITTSFORD, NY 14534 | AFLAC | $16 | — | $16 | 0.06% |
| LEWIS K GATHRIGHT JR3 | 276 FAIRPORT VILLAGE LNDG FAIRPORT, NY 14450 | AFLAC | $11 | — | $11 | 0.04% |
| PAUL SAMUEL OWENS3 | 279 RIVER ST ROCHESTER, NY 14612 | AFLAC | $10 | — | $10 | 0.04% |
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT, INC. | 1215 MANOR DR STE. 200 MECHANICSBURG, PA 17055 | HM LIFE INSURANCE COMPANY | $1K | — | $1K | 5.85% |
| SMOLA CONSULTING, LLC3 | 1 SOUTH WASHINGTON STREET STE 520 ROCHESTER, NY 14614 | HM LIFE INSURANCE COMPANY | $971 | — | $971 | 4.16% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $188 | — | $188 | 25.07% |
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 | 434 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 114 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 548 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 300 | $2.8M |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 278 | $230K |
| Vision | HM LIFE INSURANCE COMPANY | 242 | $23K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 526 | $114K |
| Long-term disability | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 549 | $127K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 300 | $2.8M |
| Other(5 contracts, 5 carriers) | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 549 | $303K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 549 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.