| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC | 1 SOUTH WASHINGTON STREET SUITE 520 ROCHESTER, NY 14614 | EXCELLUS BLUECROSS BLUESHIELD | $56K | — | $56K | 4.03% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC | 1 SOUTH WASHINGTON STREET SUITE 520 ROCHESTER, NY 14614 | GUARDIAN | $5K | — | $5K | 4.48% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC | 1 SOUTH WASHINGTON STREET SUITE 520 ROCHESTER, NY 14614 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 7.29% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC | 1 SOUTH WASHINGTON STREET SUITE 520 ROCHESTER, NY 14614 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | — | $4K | 11.66% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC | 1 SOUTH WASHINGTON STREET SUITE 520 ROCHESTER, NY 14614 | ESI GROUP | $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 | $1K | — | $1K | 15.51% |
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 | 687 | 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) | 687 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 153 | $1.4M |
| Dental | GUARDIAN | 175 | $103K |
| Vision | GUARDIAN | 175 | $103K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 256 | $56K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 204 | $30K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 153 | $1.4M |
| Other(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 597 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 597 | — |
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.