| 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 | $97K | $0 | $97K | 2.68% |
| USI INSURANCE SERVICES LLC3 | 777 CANAL VIEW BOULEVARD SUITE 100 ROCHESTER, NY 14623 | EXCELLUS BLUE CROSS BLUE SHIELD | $21K | $0 | $21K | 4.13% |
| USI INSURANCE SERVICES LLC3 | 777 CANAL VIEW BOULEVARD SUITE 100 ROCHESTER, NY 14623 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $23K | $0 | $23K | 7.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $7K | 3.17% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5 | $5 | 0.00% |
| STEPHEN C PLATNER3 Filed as: STEPHEN C. PLATNER | 11 CHESHAM WAY FAIRPORT, NY 14450 | AFLAC | $2K | $68 | $2K | 6.66% |
| MJ INSURANCE3 Filed as: SHANE STICKLE & VARIOUS AGENTS | 6787 VAIL DRIVE HAMBURG, NY 14075 | AFLAC | $826 | $13 | $839 | 3.03% |
| USI INSURANCE SERVICES LLC3 | 726 EXCHANGE STREET BUFFALO, NY 14210 | AFLAC | $664 | $0 | $664 | 2.39% |
| BRENDAN MCCARTHY AND CREW INC3 | 39 SAGINAW DRIVE, SUITE 2 ROCHESTER, NY 14623 | AFLAC | $437 | $16 | $453 | 1.63% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AFLAC | $189 | $0 | $189 | 0.68% |
| CHARLES MORALES3 | 39 SAGINAW DRIVE ROCHESTER, NY 14623 | AFLAC | $127 | $3 | $130 | 0.47% |
| TERESA STRONG3 | 1070 SKATES STREET THE VILLAGES, FL 32163 | AFLAC | $117 | $0 | $117 | 0.42% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN ROCHESTER, NY 14618 | HM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE INSURANCE COMPANY | $113 | $15 | $128 | 17.07% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE INSURANCE COMPANY | $113 | $0 | $113 | 15.07% |
| USI INSURANCE SERVICES LLC3 | 726 EXCHANGE STREET, SUITE 600 BUFFALO, NY 14210 | HARTFORD LIFE INSURANCE COMPANY | $0 | $12 | $12 | 1.60% |
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 | 522 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 522 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | EXCELLUS BLUE CROSS BLUE SHIELD | 261 | $4.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 885 | $227K |
| Vision | HM LIFE INSURANCE COMPANY | 496 | $22K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 522 | $322K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 522 | $322K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 522 | $322K |
| Prescription drug(2 contracts) | EXCELLUS BLUE CROSS BLUE SHIELD | 261 | $4.1M |
| Other(4 contracts, 3 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 522 | $351K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 885 | — |
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.