| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 777 CANAL VIEW BLVD ROCHESTER, NY 14623 | EXCELLUS BLUE CROSS BLUE SHIELD | $90K | — | $90K | 2.83% |
| USI INSURANCE SERVICES LLC3 | 777 CANAL VIEW BLVD, STE 100 ROCHESTER, NY 14623 | EXCELLUS BLUE CROSS BLUE SHIELD | $18K | $0 | $18K | 4.20% |
| USI INSURANCE SERVICES LLC3 | 777 CANAL VIEW BLVD, STE 100 ROCHESTER, NY 14623 | EXCELLUS BLUE CROSS BLUE SHIELD | $10K | — | $10K | 4.08% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 7.64% |
| STEPHEN C PLATNER3 Filed as: STEPHEN PLATNER | 11 CHESHAM WAY FAIRPORT, NY 14450 | AFLAC | $3K | $136 | $3K | 8.82% |
| USI INSURANCE SERVICES LLC3 | 726 EXCHANGE ST BUFFALO, NY 14210 | AFLAC | $973 | $0 | $973 | 3.17% |
| BRENDAN MCCARTHY AND CREW INC3 | 39 SAGINAW DR STE 2 ROCHESTER, NY 14623 | AFLAC | $533 | $28 | $561 | 1.83% |
| RICHARD DE ASIS3 | 146 KEMP DR MACEDON, NY 14502 | AFLAC | $359 | $28 | $387 | 1.26% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | AFLAC | $223 | $0 | $223 | 0.73% |
| TERESA STRONG3 | PO BOX 52 MACEDON, NY 14502 | AFLAC | $135 | $0 | $135 | 0.44% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC | 1 S WASHINGTON ST STE 520 ROCHESTER, NY 14614 | AFLAC | $128 | $0 | $128 | 0.42% |
| DEBRA PARKER3 Filed as: DEBRA M PARKER | 20 BOWEN ST AUBURN, NY 13021 | AFLAC | $107 | $0 | $107 | 0.35% |
| NICHOLAS J DELIA3 | 165 ARMSTRONG RD SYRACUSE, NY 13209 | AFLAC | $81 | $0 | $81 | 0.26% |
| JOSEPH P CALARCO3 | PO BOX 130 63 GENESEE ST STE 2 AUBURN, NY 13021 | AFLAC | $57 | $0 | $57 | 0.19% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT BALDWINSVILLE, NY 13027 | AFLAC | $53 | $0 | $53 | 0.17% |
| JOSEPH P CALARCO3 | PO BOX 130 AUBURN, NY 13021 | AFLAC | $51 | $0 | $51 | 0.17% |
| BENEFIT RESOURCE GROUP LLC3 Filed as: BENEFIT RESOURCE INC | 2320 BRIGHTON HENRIETTA TOWNLINE RD ROCHESTER, NY 14623 | AFLAC | $50 | $0 | $50 | 0.16% |
| ANDREW THOMAS3 | 101 OLD COVE RD STE 114 LIVERPOOL, NY 13090 | AFLAC | $37 | $0 | $37 | 0.12% |
| MICHAEL O'MAY3 | 136 GREENFIELD RD ROCHESTER, NY 14626 | AFLAC | $30 | $0 | $30 | 0.10% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $20 | $0 | $20 | 0.07% |
| EDWARD B LEAHY III3 | 85 ALLEN ST STE 210 ROCHESTER, NY 14608 | AFLAC | $19 | $0 | $19 | 0.06% |
| DANIEL P DUPRE3 | 4 BEDFORD WAY PITTSFORD, NY 14534 | AFLAC | $17 | $0 | $17 | 0.06% |
| TIMOTHY HENDERSON3 | 13 WILD LAUREL LN HILTON HEAD, SC 29926 | AFLAC | $15 | $0 | $15 | 0.05% |
| STEPHANIE MINER3 | 4450 WEDGE DR PFAFFTOWN, NC 27040 | AFLAC | $14 | $0 | $14 | 0.05% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AFLAC | $13 | $0 | $13 | 0.04% |
| LEWIS K GATHRIGHT JR3 | 276 FAIRPORT VILLAGE LNDG FAIRPORT, NY 14450 | AFLAC | $12 | $0 | $12 | 0.04% |
| PAUL SAMUEL OWENS3 | 279 RIVER ST ROCHESTER, NY 14612 | AFLAC | $10 | $0 | $10 | 0.03% |
| STARTING LINE SOLUTIONS INC3 | 7 RUSH WEST RUSH RD RUSH, NY 14543 | AFLAC | $10 | $0 | $10 | 0.03% |
| LAURA BOHANNON3 | 23 S MARVINE AVE AUBURN, NY 13021 | AFLAC | $10 | $0 | $10 | 0.03% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $9 | $0 | $9 | 0.03% |
| KELLY A IRVINE3 | 20620 EAST GOLDEN ELM DR ESTERO, FL 33928 | AFLAC | $8 | $0 | $8 | 0.03% |
| STARTING LINE SOLUTIONS INC3 | 279 RIVER ST ROCHESTER, NY 14612 | AFLAC | $5 | $0 | $5 | 0.02% |
| LAURIE SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $5 | $0 | $5 | 0.02% |
| JOHN B INFERRERA3 | 174 GARNSEY RD PITTSFORD, NY 14534 | AFLAC | $5 | $0 | $5 | 0.02% |
| DUCK & COVER NY INC3 | 17 DALAMAR CT LATHAM, NY 12110 | AFLAC | $4 | $0 | $4 | 0.01% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NY 12065 | AFLAC | $3 | $0 | $3 | 0.01% |
| FRANK J. MOLEY3 Filed as: FRANK MOLEY | 5646 HIDDEN LAKE DR LOCKPORT, NY 14094 | AFLAC | $3 | $0 | $3 | 0.01% |
| SHANE STICKLE3 | 675 BAY RD WEBSTER, NY 14580 | AFLAC | $2 | $0 | $2 | 0.01% |
| RUSSELL T BARRETT3 | 665 SARATOGA RD APT 130 GANSEVOORT, NY 12831 | AFLAC | $2 | $0 | $2 | 0.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 777 CANAL VIEW BLVD, STE 100 ROCHESTER, NY 14623 | HM LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| USI INSURANCE SERVICES LLC3 | 777 CANAL VIEW BLVD, STE 100 ROCHESTER, NY 14623 | HARTFORD LIFE AND ACCIDENT | $113 | $0 | $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 | 464 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 165 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 629 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | EXCELLUS BLUE CROSS BLUE SHIELD | 294 | $3.6M |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 320 | $255K |
| Vision | HM LIFE INSURANCE COMPANY | 508 | $23K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 555 | $186K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 555 | $186K |
| Prescription drug(2 contracts) | EXCELLUS BLUE CROSS BLUE SHIELD | 294 | $3.6M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 555 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 555 | — |
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.