| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEY INSURANCE & BENEFIT SERVICES3 | 777 CANAL VIEW BLVD ROCHESTER, NY 14623 | EXCELLUS BLUECROSS BLUESHIELD | $92K | $0 | $92K | 2.78% |
| KEY INSURANCE & BENEFIT SERVICES3 | 777 CANAL VIEW DR STE 100 ROCHESTER, NY 14623 | MVP HEALTH CARE | $6K | — | $6K | 1.92% |
| FIRST NIAGARA RISK MANAGEMENT3 | 1215 MANOR DRIVE STE 200 MECHANICSBURG, PA 170554900 | MVP HEALTH CARE | $1K | — | $1K | 0.46% |
| KEY INSURANCE & BENEFIT SERVICES3 | 777 CANAL VIEW BLVD ROCHESTER, NY 14623 | EXCELLUS BLUE CROSS BLUE SHIELD | $10K | — | $10K | 4.21% |
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT INC | 4TH FLOOR, 126 NORTH SALINA ST SYRACUSE, NY 13202 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 7.63% |
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT INC | 1215 MANOR DR, STE 200 MECHANICSBURG, PA 170554900 | CONTINENTAL CASUALTY COMPANY | $3K | — | $3K | 10.00% |
| STEPHEN C PLATNER3 Filed as: STEPHEN PLATNER | 11 CHESHAM WAY FAIRPORT, NY 14450 | AFLAC | $954 | — | $954 | 3.66% |
| BRENDAN MCCARTHY AND CREW INC3 | 1411 CHILI AVE STE 3 ROCHESTER, NY 14624 | AFLAC | $257 | — | $257 | 0.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AFLAC | $256 | — | $256 | 0.98% |
| JOSEPH P CALARCO3 Filed as: JOSEPH CALARCO | 63 GENESEE ST STE 2 PO BOX 130 AUBURN, NY 13021 | AFLAC | $141 | — | $141 | 0.54% |
| TERESA STRONG3 | PO BOX 52 MACEDON, NY 14502 | AFLAC | $140 | — | $140 | 0.54% |
| DEBRA PARKER3 | 20 BOWEN ST AUBURN, NY 13021 | AFLAC | $112 | — | $112 | 0.43% |
| NICHOLAS J DELIA3 Filed as: NICHOLAS DELIA | 4142 OGLETOWN-STANTON RD SUITE 402 NEWARK, DE 19713 | AFLAC | $81 | — | $81 | 0.31% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $66 | — | $66 | 0.25% |
| BENEFIT RESOURCE GROUP LLC3 Filed as: BENEFIT RESOURCE INC | 2320 BRIGHTON HENRIETTA TOWNLINE RD ROCHESTER, NY 14623 | AFLAC | $50 | — | $50 | 0.19% |
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT INC | 777 CANAL VIEW BLVD ROCHESTER, NY 14623 | AFLAC | $38 | — | $38 | 0.15% |
| ANDREW THOMAS3 | 101 OLD COVE RD STE 114 LIVERPOOL, NY 13090 | AFLAC | $37 | — | $37 | 0.14% |
| RICHARD DE ASIS3 | 146 KEMP DRIVE MACEDON, NY 14502 | AFLAC | $33 | — | $33 | 0.13% |
| MICHAEL O'MAY3 | 136 GREENFIELD RD ROCHESTER, NY 14626 | AFLAC | $30 | — | $30 | 0.12% |
| PAUL SAMUEL OWENS3 Filed as: PAUL OWENS | 279 RIVER ST ROCHESTER, NY 14612 | AFLAC | $30 | — | $30 | 0.12% |
| STEPHANIE MINER3 | 4450 WEDGE DR PFAFFTOWN, NC 27040 | AFLAC | $25 | — | $25 | 0.10% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $22 | — | $22 | 0.08% |
| EDWARD B LEAHY III3 Filed as: EDWARD LEAHY | 85 ALLEN ST, STE 210 ROCHESTER, NY 14608 | AFLAC | $19 | — | $19 | 0.07% |
| TIMOTHY HENDERSON3 | 97 CAVERSHAM WOODS PITTSFORD, NY 14534 | AFLAC | $18 | — | $18 | 0.07% |
| DANIEL P DUPRE3 Filed as: DANIEL DUPRE | 4 BEDFORD WAY PITTSFORD, NY 14534 | AFLAC | $17 | — | $17 | 0.07% |
| KELLY A IRVINE3 Filed as: KELLY IRVINE | 20620 EAST GOLDEN ELM DR ESTERO, FL 33928 | AFLAC | $17 | — | $17 | 0.07% |
| STEVEN DALABA3 | 405 CRAVER POINTE DR CLEMMONS, NC 27012 | AFLAC | $14 | — | $14 | 0.05% |
| ANTHONY GARDINO3 | 5558 DUSKYWING DR ROCKLEDGE, FL 32955 | AFLAC | $13 | — | $13 | 0.05% |
| LEWIS K GATHRIGHT JR3 Filed as: LEWIS GATHRIGHT, JR | 276 FAIRPORT VILLAGE LNDG FAIRPORT, NY 14450 | AFLAC | $12 | — | $12 | 0.05% |
| LAURA BOHANNON3 | 23 S MARVINE AVE AUBURN, NY 13021 | AFLAC | $9 | — | $9 | 0.03% |
| LAURIE SMITH | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $7 | — | $7 | 0.03% |
| JOHN B INFERRERA3 Filed as: JOHN INFERRERA | 174 GARNSEY ROAD PITTSFORD, NY 14534 | AFLAC | $5 | — | $5 | 0.02% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | AFLAC | $4 | — | $4 | 0.02% |
| DUCK & COVER NY INC3 | 17 DALAMAR CT LATHAM, NY 12110 | AFLAC | $4 | — | $4 | 0.02% |
| FRANK J. MOLEY3 Filed as: FRANK MOLEY | 5646 HIDDEN LAKE DR LOCKPORT, NY 14094 | AFLAC | $3 | — | $3 | 0.01% |
| RUSSELL T BARRETT3 Filed as: RUSSELL BARRETT | 10 AZALEA DR SARATOGA SPRINGS, NY 12866 | AFLAC | $2 | — | $2 | 0.01% |
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA BENEFIT CONSULTING | 777 CANAL VIEW BLVD, STE 100 ROCHESTER, NY 14623 | HM LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE & BENEFITS SVCS INC | 777 CANAL VIEW BLVD STE 100 ROCHESTER, NY 14623 | HARTFORD LIFE INSURANCE CO | $113 | — | $113 | 15.07% |
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 | 446 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 160 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 606 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EXCELLUS BLUECROSS BLUESHIELD | 289 | $3.6M |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 291 | $240K |
| Vision | HM LIFE INSURANCE COMPANY | 503 | $24K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 540 | $174K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 540 | $174K |
| Prescription drug(2 contracts, 2 carriers) | EXCELLUS BLUECROSS BLUESHIELD | 289 | $3.6M |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 540 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 540 | — |
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.