| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC | 260 EAST MAIN STREET SUITE 2400 ROCHESTER, NY 14604 | EXCELLUS BLUECROSS BLUESHIELD | $74K | — | $74K | 3.60% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC | 260 EAST MAIN STREET SUITE 2400 ROCHESTER, NY 14604 | GUARDIAN | $6K | — | $6K | 4.32% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC | 260 EAST MAIN STREET SUITE 2400 ROCHESTER, NY 14604 | THE HARTFORD | $3K | — | $3K | 4.16% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC | 260 EAST MAIN STREET SUITE 2400 ROCHESTER, NY 14604 | THE HARTFORD | $4K | — | $4K | 10.93% |
| SMOLA CONSULTING, LLC Filed as: SMOLA CONSULTING LLC | 260 EAST MAIN STREET SUITE 2400 ROCHESTER, NY 14604 | ESI GROUP | $0 | — | $0 | 0.00% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC | 260 EAST MAIN STREET SUITE 2400 ROCHESTER, NY 14604 | THE HARTFORD | $795 | — | $795 | 4.48% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC | 260 EAST MAIN STREET SUITE 2400 ROCHESTER, NY 14604 | THE HARTFORD | $942 | — | $942 | 13.59% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC | 260 EAST MAIN STREET SUITE 2400 ROCHESTER, NY 14604 | THE HARTFORD | $255 | — | $255 | 5.45% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC | 260 EAST MAIN STREET SUITE 2400 ROCHESTER, NY 14604 | THE HARTFORD | $574 | — | $574 | 13.66% |
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 | 632 | 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) | 632 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 184 | $2.0M |
| Dental | GUARDIAN | 216 | $134K |
| Vision | GUARDIAN | 216 | $134K |
| Life insurance | THE HARTFORD | 312 | $70K |
| Short-term disability | THE HARTFORD | 65 | $4K |
| Long-term disability | THE HARTFORD | 228 | $37K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 184 | $2.0M |
| Other(3 contracts, 2 carriers) | ESI GROUP | 752 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 752 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.