| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 777 CANAL VIEW BOULEVARD SUITE 100 ROCHESTER, NY 14623 | EXCELLUS BLUE CROSS BLUE SHIELD | $125K | $0 | $125K | 3.38% |
| USI INSURANCE SERVICES LLC3 | 777 CANAL VIEW BOULEVARD SUITE 100 ROCHESTER, NY 14623 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $13K | $0 | $13K | 14.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 7.72% |
| STEPHEN C PLATNER3 Filed as: STEPHEN C. PLATNER | 11 CHESHAM WAY FAIRPORT, NY 14450 | AFLAC | $2K | $103 | $2K | 7.92% |
| USI INSURANCE SERVICES LLC3 | 726 EXCHANGE STREET BUFFALO, NY 14210 | AFLAC | $869 | $0 | $869 | 2.85% |
| MJ INSURANCE3 Filed as: TERESA STRONG AND VARIOUS AGENTS | 5241 WHITECLIFF DRIVE CANANDAIGUA, NY 14424 | AFLAC | $800 | $0 | $800 | 2.62% |
| BRENDAN MCCARTHY AND CREW INC3 | 39 SAGINAW DRIVE, SUITE 2 ROCHESTER, NY 14623 | AFLAC | $522 | $21 | $543 | 1.78% |
| SHANE STICKLE3 | 675 BAY ROAD WEBSTER, NY 14580 | AFLAC | $213 | $0 | $213 | 0.70% |
| RICHARD DE ASIS3 | 39 HUNTERS RUN PITTSFORD, NY 14534 | AFLAC | $186 | $21 | $207 | 0.68% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AFLAC | $200 | $0 | $200 | 0.65% |
| USI INSURANCE SERVICES LLC3 | 777 CANAL VIEW BOULEVARD SUITE 100 ROCHESTER, NY 14623 | HM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| USI INSURANCE SERVICES LLC3 | 726 EXCHANGE STREET, SUITE 600 BUFFALO, NY 14210 | HARTFORD LIFE INSURANCE COMPANY | $113 | $0 | $113 | 15.07% |
| USI INSURANCE SERVICES LLC3 | 470 PARK AVENUE SOUTH, 6TH FLOOR NEW YORK, NY 10016 | HARTFORD LIFE INSURANCE COMPANY | $0 | $21 | $21 | 2.80% |
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 | 558 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 147 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 705 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 317 | $3.7M |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 317 | $3.7M |
| Vision | HM LIFE INSURANCE COMPANY | 502 | $24K |
| Life insurance(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 558 | $171K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 558 | $93K |
| Long-term disability(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 558 | $171K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 317 | $3.7M |
| Other(4 contracts, 4 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 558 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 558 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.