| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEY INSURANCE & BENEFIT SERVICES3 | 777 CANALVIEW BLVD PO BOX 1010 ROCHESTER, NY 14623 | EXCELLUS BLUECROSS BLUESHIELD | $27K | — | $27K | 0.76% |
| KEY INSURANCE & BENEFIT SERVICES3 | 777 CANALVIEW BLVD P O BOX 1010 ROCHESTER, NY 14623 | MVP HEALTH CARE | $22K | — | $22K | 3.29% |
| FIRST NIAGARA RISK MANAGEMENT3 | 777 CANALVIEW BLVD P O BOX 1010 ROCHESTER, NY 14623 | MVP HEALTH CARE | $2K | — | $2K | 0.33% |
| KEY INSURANCE & BENEFIT SERVICES3 | 777 CANALVIEW BLVD P O BOX 1010 ROCHESTER, NY 14623 | MVP HEALTH CARE | $12K | — | $12K | 4.20% |
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT INC | 777 CANALVIEW BLVD PO BOX 1010 ROCHESTER, NY 14623 | MVP HEALTH CARE | $1K | — | $1K | 0.42% |
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 | 2,964 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,693 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,657 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | EXCELLUS BLUECROSS BLUESHIELD | 1,089 | $4.6M |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 1,089 | $3.6M |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUECROSS BLUESHIELD | 3,339 | $278K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,339 | — |
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.