| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $90K | — | $90K | 2.83% |
| FIRST NIAGARA RISK MANAGEMENT3 | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | MVP HEALTH CARE | $16K | — | $16K | 6.33% |
| 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 | $10K | — | $10K | 4.26% |
| FIRST NIAGARA RISK MANAGEMENT3 | 1215 MANOR DRIVE STE 200 MECHANICSBURG, PA 17055 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 2.35% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INS AND BENEFITS SRVCS | 1215 MANOR DR STE 200 MECHANICSBURG, PA 17055 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $6K | — | $6K | 7.06% |
| STEPHEN C PLATNER3 Filed as: STEPHEN PLATNER | 11 CHESHAM WAY FAIRPORT, NY 14450 | AFLAC | $2K | $229 | $2K | 6.21% |
| BRENDAN MCCARTHY AND CREW INC3 | 1411 CHILI AVENUE, SUITE 3 ROCHESTER, NY 14624 | AFLAC | $474 | $82 | $556 | 1.79% |
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT, INC. | 777 CANALVIEW BLVD SUITE 100 ROCHESTER, NY 14623 | AFLAC | $326 | — | $326 | 1.05% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AFLAC | $308 | — | $308 | 0.99% |
| SMOLA CONSULTING, LLC3 | 1 SOUTH WASHINGTON STREET STE 520 ROCHESTER, NY 14614 | AFLAC | $201 | — | $201 | 0.65% |
| TERESA STRONG3 | PO BOX 52 MACEDON, NY 14502 | AFLAC | $177 | — | $177 | 0.57% |
| JOSEPH P CALARCO3 | 13 ARTERIAL EAST PO BOX 130 AUBURN, NY 13021 | AFLAC | $169 | — | $169 | 0.54% |
| PAUL SAMUEL OWENS3 Filed as: PAUL OWENS | 279 RIVER ST ROCHESTER, NY 14612 | AFLAC | $143 | $9 | $152 | 0.49% |
| DEBRA PARKER3 Filed as: DEBRA M PARKER | 20 BOWEN ST AUBURN, NY 13021 | AFLAC | $142 | — | $142 | 0.46% |
| NICHOLAS J DELIA3 Filed as: NICHOLAS DELIA | 105 BREWSTER DR NEWARK, DE 19711 | AFLAC | $88 | — | $88 | 0.28% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $83 | — | $83 | 0.27% |
| BENEFIT RESOURCE GROUP LLC3 Filed as: BENEFIT RESOURCE INC | 2320 BRIGHTON HENRIETTA TOWNLINE RD ROCHESTER, NY 14623 | AFLAC | $53 | — | $53 | 0.17% |
| ANDREW THOMAS3 | 101 OLD COVE RD STE 114 LIVERPOOL, NY 13090 | AFLAC | $40 | — | $40 | 0.13% |
| STEPHANIE MINER3 | 4450 WEDGE DRIVE PFAFFTOWN, NC 27040 | AFLAC | $35 | — | $35 | 0.11% |
| ANTHONY GARDINO3 | 5558 DUSKYWING DR ROCKLEDGE, FL 32955 | AFLAC | $32 | — | $32 | 0.10% |
| MICHAEL O'MAY3 | 136 GREENFIELD RD ROCHESTER, NY 14626 | AFLAC | $32 | — | $32 | 0.10% |
| BRAD JONES AND ASSOCIATES INC3 Filed as: BRAD JONES AND ASSOCIATES | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $26 | — | $26 | 0.08% |
| EDWARD B LEAHY III3 | 85 ALLEN ST SUITE 210 ROCHESTER, NY 14608 | AFLAC | $20 | — | $20 | 0.06% |
| TIMOTHY HENDERSON3 | 97 CAVERSHAM WOODS PITTSFORD, NY 14534 | AFLAC | $19 | — | $19 | 0.06% |
| DANIEL P DUPRE3 | 4 BEDFORD WAY PITTSFORD, NY 14534 | AFLAC | $18 | — | $18 | 0.06% |
| LEWIS K GATHRIGHT JR3 | 276 FAIRPORT VILLAGE LNDG FAIRPORT, NY 14450 | AFLAC | $12 | — | $12 | 0.04% |
| KELLY A IRVINE3 Filed as: KELLY IRVINE | 333 GLEN STREET SUITE 201 GLEN FALLS, NY 12801 | AFLAC | $4 | $4 | $8 | 0.03% |
| LAURA BOHANNON3 | 23 S MARVINE AVENUE AUBURN, NY 13021 | AFLAC | $2 | $4 | $6 | 0.02% |
| STEVEN DALABA3 | 405 CRAVER POINTE DRIVE CLEMMONS, NC 27012 | AFLAC | $4 | — | $4 | 0.01% |
| LAURIE SMITH3 | 577 TRUESDALE HILL ROAD LAKE GEORGE, NY 12845 | AFLAC | $2 | — | $2 | 0.01% |
| JOHN B INFERRERA3 Filed as: JOHN INFERRERA | 174 GARNSEY ROAD PITTSFORD, NY 14534 | AFLAC | $1 | — | $1 | 0.00% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | AFLAC | $1 | — | $1 | 0.00% |
| DUCK & COVER NY INC3 | 17 DALAMAR CT LATHAM, NY 12110 | AFLAC | $1 | — | $1 | 0.00% |
| FRANK J. MOLEY3 Filed as: FRANK MOLEY | 5646 HIDDEN LAKE DRIVE LOCKPORT, NY 14094 | AFLAC | $1 | — | $1 | 0.00% |
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT, INC. | 1215 MANOR DR STE 200 MECHANICSBURG, PA 17055 | CONTINENTAL CASUALTY COMPANY | $3K | — | $3K | 10.00% |
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT, INC. | 1215 MANOR DR STE. 200 MECHANICSBURG, PA 17055 | HM LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| FIRST NIAGARA RISK MANAGEMENT3 | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $445 | — | $445 | 15.02% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE & BENEFITS | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | HARTFORD LIFE INSURANCE COMPANY | $113 | $4 | $117 | 15.60% |
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 | 441 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 155 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 596 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 297 | $3.4M |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 286 | $234K |
| Vision | HM LIFE INSURANCE COMPANY | 489 | $23K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 0 | $90K |
| Long-term disability | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 380 | $88K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 297 | $3.2M |
| Other(4 contracts, 4 carriers) | AFLAC | 58 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 489 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.