| 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 | $118K | $0 | $118K | 2.96% |
| 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 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $19K | $0 | $19K | 7.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $6K | $12K | 4.81% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN ROCHESTER, NY 14618 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.82% |
| STEPHEN C PLATNER3 Filed as: STEPHEN C. PLANTER | 11 CHESHAM WAY FAIRPORT, NY 14450 | AFLAC | $1K | $56 | $1K | 5.50% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC & OTHER AGENTS | 260 EAST MAIN STREET, SUITE 2500 ROCHESTER, NY 14604 | AFLAC | $774 | $0 | $774 | 3.16% |
| USI INSURANCE SERVICES LLC3 | 726 EXCHANGE STREET BUFFALO, NY 14210 | AFLAC | $453 | $0 | $453 | 1.85% |
| BRENDAN MCCARTHY AND CREW INC3 | 39 SAGINAW DRIVE, SUITE 2 ROCHESTER, NY 14623 | AFLAC | $325 | $13 | $338 | 1.38% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSHERE CIRCLE CHICAGO, IL 60674 | AFLAC | $145 | $0 | $145 | 0.59% |
| SHANE STICKLE3 | 6787 VAIL DRIVE HAMBURG, NY 14075 | AFLAC | $97 | $0 | $97 | 0.40% |
| TERESA STRONG3 | 1070 SKATES STREET THE VILLAGES, FL 32163 | AFLAC | $93 | $0 | $93 | 0.38% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE INSURANCE COMPANY | $113 | $17 | $130 | 17.33% |
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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | EXCELLUS BLUE CROSS BLUE SHIELD | 247 | $4.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 843 | $254K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 843 | $254K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 203 | $269K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 203 | $269K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 203 | $269K |
| Prescription drug(2 contracts) | EXCELLUS BLUE CROSS BLUE SHIELD | 247 | $4.5M |
| Other(3 contracts, 3 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 203 | $294K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 843 | — |
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.