| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 777 CANAL VIEW BLVD, SUITE 100 ROCHESTER, NY 14623 | EXCELLUS BLUE CROSS BLUE SHIELD | $91K | — | $91K | 2.81% |
| USI INSURANCE SERVICES LLC3 | 777 CANAL VIEW BLVD, STE 100 ROCHESTER, NY 14623 | MVP HEALTHCARE | $17K | — | $17K | 4.88% |
| USI INSURANCE SERVICES LLC3 | 777 CANAL VIEW BLVD, STE 100 ROCHESTER, NY 14623 | EXCELLUS BLUE CROSS BLUE SHIELD | $10K | — | $10K | 4.27% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66995 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 7.62% |
| STEPHEN C PLATNER3 Filed as: STEPHEN PLATNER | 11 CHESHAM WAY FAIRPORT, NY 14450 | AFLAC | $1K | $24 | $1K | 5.26% |
| USI INSURANCE SERVICES LLC3 | 726 EXCHANGE ST BUFFALO, NY 14210 | AFLAC | $350 | — | $350 | 1.32% |
| BRENDAN MCCARTHY AND CREW INC3 | 39 SAGINAW DR STE 2 ROCHESTER, NY 14623 | AFLAC | $317 | $5 | $322 | 1.22% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | AFLAC | $242 | — | $242 | 0.92% |
| TERESA STRONG3 | PO BOX 52 MACEDON, NY 14502 | AFLAC | $135 | — | $135 | 0.51% |
| JOSEPH P CALARCO3 Filed as: JOSEPH CALARCO | PO BOX 130 63 GENESEE ST STE 2 AUBURN, NY 13021 | AFLAC | $130 | — | $130 | 0.49% |
| RICHARD DE ASIS3 | 146 KEMP DR MACEDON, NY 14502 | AFLAC | $122 | $5 | $127 | 0.48% |
| DEBRA PARKER3 | 20 BOWEN ST AUBURN, NY 13021 | AFLAC | $106 | — | $106 | 0.40% |
| NICHOLAS J DELIA3 Filed as: NICHOLAS DELIA | 165 ARMSTRONG RD SYRACUSE, NY 13209 | AFLAC | $81 | — | $81 | 0.31% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $61 | — | $61 | 0.23% |
| BENEFIT RESOURCE GROUP LLC3 Filed as: BENEFIT RESOURCE INC | 2320 BRIGHTON HENRIETTA TOWNLINE RD ROCHESTER, NY 14623 | AFLAC | $49 | — | $49 | 0.19% |
| ANDREW THOMAS3 | 101 OLD COVE RD STE 114 LIVERPOOL, NY 13090 | AFLAC | $37 | — | $37 | 0.14% |
| MICHAEL O'MAY3 | 136 GREENFIELD RD ROCHESTER, NY 14626 | AFLAC | $30 | — | $30 | 0.11% |
| PAUL SAMUEL OWENS3 Filed as: PAUL OWENS | 279 RIVER ST ROCHESTER, NY 14612 | AFLAC | $30 | — | $30 | 0.11% |
| STEPHANIE MINER3 | 4450 WEDGE DR PFAFFTOWN, NC 27040 | AFLAC | $25 | — | $25 | 0.09% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC | 1 S WASHINGTON ST STE 520 ROCHESTER, NY 14614 | AFLAC | $20 | — | $20 | 0.08% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $19 | — | $19 | 0.07% |
| EDWARD B LEAHY III3 Filed as: EDWARD LEAHY III | 85 ALLEN ST STE 210 ROCHESTER, NY 14608 | AFLAC | $18 | — | $18 | 0.07% |
| DANIEL P DUPRE3 Filed as: DANIEL DUPRE | 4 BEDFORD WAY PITTSFORD, NY 14534 | AFLAC | $17 | — | $17 | 0.06% |
| KELLY A IRVINE3 Filed as: KELLY IRVINE | 20620 EAST GOLDEN ELM DR ESTERO, FL 33928 | AFLAC | $15 | — | $15 | 0.06% |
| TIMOTHY HENDERSON3 | 13 WILD LAUREL LN HILTON HEAD, NC 29926 | AFLAC | $15 | — | $15 | 0.06% |
| STEVEN DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $13 | — | $13 | 0.05% |
| LEWIS K GATHRIGHT JR3 Filed as: LEWIS GATHRIGHT, JR | 276 FAIRPORT VILLAGE LNDG FAIRPORT, NY 14450 | AFLAC | $11 | — | $11 | 0.04% |
| LAURA BOHANNON3 | 23 S MARVINE AVE AUBURN, NY 13021 | AFLAC | $9 | — | $9 | 0.03% |
| LAURIE SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $6 | — | $6 | 0.02% |
| JOHN B INFERRERA3 Filed as: JOHN INFERRERA | 174 GARNSEY RD PITTSFORD, NY 14534 | AFLAC | $5 | — | $5 | 0.02% |
| DUCK & COVER NY INC3 | 17 DALAMAR CT LATHAM, NY 12110 | AFLAC | $3 | — | $3 | 0.01% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NY 12065 | AFLAC | $3 | — | $3 | 0.01% |
| FRANK J. MOLEY3 Filed as: FRANK MOLEY | 5646 HIDDEN LAKE DR LOCKPORT, NY 14094 | AFLAC | $2 | — | $2 | 0.01% |
| RUSSELL T BARRETT3 Filed as: RUSSELL BARRETT | 10 AZLEA DR SARATOGA SPRINGS, NY 12866 | AFLAC | $1 | — | $1 | 0.00% |
| 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 | 777 CANAL VIEW BLVD ROCHESTER, NY 14623 | THE HARTFORD | $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 | 459 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 172 | 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) | 631 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 292 | $3.6M |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 303 | $234K |
| Vision | HM LIFE INSURANCE COMPANY | 489 | $22K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 553 | $180K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 553 | $180K |
| Prescription drug(2 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 292 | $3.6M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 553 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 553 | — |
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.