| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | BOND BENEFITS 71A MONROE AVENUE PITTSFORD, NY 14534 | EXCELLUS BLUE CROSS BLUE SHIELD | $49K | — | $49K | 4.12% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | BOND BENEFITS 71A MONROE AVENUE PITTSFORD, NY 14534 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 4.85% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | BOND BENEFITS 71A MONROE AVENUE PITTSFORD, NY 14534 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $19 | $4K | 11.40% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | BOND BENEFITS 71A MONROE AVENUE PITTSFORD, NY 14534 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 11.19% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | BOND BENEFITS 71A MONROE AVENUE PITTSFORD, NY 14534 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 9.96% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 71A MONROE AVENUE PITTSFORD, NY 14534 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $371 | $237 | $608 | 16.37% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 71 MONROE AVE SUITE A PITTSFORD, NY 14534 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $552 | — | $552 | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCELLUS BLUE CROSS BLUE SHIELD EIN 15-0329043 NONE | Claims processing Service code 12 | 165 COURT ST ROCHESTER, NY 14647 | $8K |
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 | 245 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 101 | $1.2M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 108 | $11K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 245 | $35K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 211 | $65K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 211 | $34K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 101 | $1.2M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 245 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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.