| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SVCS | 45 EAST AVENUE # 700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $81K | — | $81K | 3.17% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SVCS | 45 EAST AVENUE # 700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $25K | — | $25K | 4.45% |
| BROWN & BROWN INSURANCE SERVICES3 | 45 EAST AVENUE ROCHESTER, NY 14604 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 2.84% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF FLORIDA | PO BOX 745834 ATLANTA, GA 30374 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 1.85% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $73 | $73 | 0.02% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SVCS | 45 EAST AVENUE # 700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $13K | — | $13K | 4.50% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN OF NY | 45 EAST AVE ROCHESTER, NY 14604 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 4.51% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN OF NY | 6 TOWER PL ALBANY, NY 12203 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.34% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN | — | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| BROWN & BROWN INSURANCE SERVICES3 | 45 EAST AVE ROCHESTER, NY 14604 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $51 | $2K | 14.24% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN OF NEW YORK INC | 6 TOWER PL ALBANY, NY 12203 | METROPOLITAN LIFE INSURANCE COMPANY | — | $89 | $89 | 0.59% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN LONE STAR INS | 5850 GRANITE PKWY STE 350 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4 | $4 | 0.03% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC | 260 E MAIN ST STE 2400 ROCHESTER, NY 14604 | METROPOLITAN LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS | 300 N BEACH ST DAYTONA BEACH, FL 32114 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2 | $2 | 0.01% |
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 | 346 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 477 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 823 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | EXCELLUS BLUE CROSS BLUE SHIELD | 167 | $3.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 290 | $78K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,319 | $19K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 823 | $364K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 823 | $364K |
| Prescription drug(3 contracts) | EXCELLUS BLUE CROSS BLUE SHIELD | 167 | $3.4M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 823 | $379K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,319 | — |
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.