| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MANNING & NAPIER BENEFITS LLC3 Filed as: MANNING & NAPIER BENEFITS, LLC | 290 WOODCLIFF DRIVE FAIRPORT, NY 14450 | EXCELLUS BLUECROSS BLUESHIELD | $28K | — | $28K | 2.15% |
| SMOLA CONSULTING, LLC3 | 1 SOUTH WASHINGTON STREET SUITE 520 ROCHESTER, NY 14614 | EXCELLUS BLUECROSS BLUESHIELD | $25K | — | $25K | 1.90% |
| MANNING & NAPIER BENEFITS LLC3 Filed as: MANNING & NAPIER BENEFITS, LLC | 290 WOODCLIFF DRIVE FAIRPORT, NY 14450 | GUARDIAN | $3K | — | $3K | 3.73% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING | 1 SOUTH WASHINGTON STREET SUITE 520 ROCHESTER, NY 14614 | GUARDIAN | $895 | — | $895 | 1.04% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC | 1 SOUTH WASHINGTON STREET SUITE 520 ROCHESTER, NY 14614 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 3.76% |
| MANNING & NAPIER BENEFITS LLC3 | 290 WOODCLIFF DRIVE FAIRPORT, NY 14450 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 3.36% |
| MANNING & NAPIER BENEFITS LLC3 | 290 WOODCLIFF DRIVE FAIRPORT, NY 14450 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 7.40% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC | 1 SOUTH WASHINGTON STREET SUITE 520 ROCHESTER, NY 14614 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 4.82% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING | 1 SOUTH WASHINGTON STREET SUITE 520 ROCHESTER, NY 14614 | ESI GROUP | $0 | $0 | $0 | 0.00% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC | 1 SOUTH WASHINGTON STREET SUITE 520 ROCHESTER, NY 14614 | FIRST UNUM LIFE INSURANCE COMPANY | $668 | — | $668 | 8.06% |
| MANNING & NAPIER BENEFITS LLC3 | 290 WOODCLIFF DRIVE FAIRPORT, NY 14450 | FIRST UNUM LIFE INSURANCE COMPANY | $575 | — | $575 | 6.94% |
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 | 765 | 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) | 765 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 157 | $1.3M |
| Dental | GUARDIAN | 148 | $86K |
| Vision | GUARDIAN | 148 | $86K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 257 | $53K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 184 | $28K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 157 | $1.3M |
| Other(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 549 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 549 | — |
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.