| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDICAL BENEFITS ADMINISTRATORS3 Filed as: M N AND A MEDICAL MARKETING | 2680 W RIDGE RD SUITE 201C ROCHESTER, NY 14626 | EXCELLUS BLUECROSS BLUESHIELD | $44K | — | $44K | 4.19% |
| MN AND A MEDICAL MARKETING3 | 2680 W RIDGE ROAD SUITE 201C ROCHESTER, NY 14626 | EXCELLUS BLUECROSS BLUESHIELD | $29K | — | $29K | 4.36% |
| DAVID NAGEL3 Filed as: DAVID A NAGEL | 2680 W RIDGE RD STE 201C ROCHESTER, NY 14626 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 1.87% |
| MITCHELL-NAGEL & ASSOCIATES3 Filed as: MITCHELL NAGEL AND ASSOCIATES INC | PO BOX 683 CANANDAIGUA, NY 14424 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 1.87% |
| JEFFREY NAGEL3 Filed as: JEFFREY D NAGEL | 2680 WEST RIDGE RD STE 201C ROCHESTER, NY 14626 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 1.28% |
| JEFFREY NAGEL3 | 2680 W RIDGE RD STE 201C MITCHELL NAGEL ASSOC ROCHESTER, NY 14626 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.62% |
| DAVID NAGEL3 | 2680 W RIDGE RD STE 201C ROCHESTER, NY 14626 | METROPOLITAN LIFE INSURANCE COMPANY | $363 | — | $363 | 0.66% |
| MITCHELL NAGEL AND ASSOC INC3 Filed as: MITCHELL NAGEL AND ASSOCIATION INC | PO BOX 683 CANANDAIGUA, NY 14424 | METROPOLITAN LIFE INSURANCE COMPANY | $319 | — | $319 | 0.58% |
| JEFFREY NAGEL3 | 2680 W RIDGE RD SUITE 201C MITCHELL NAGEL AND ASSOC ROCHESTER, NY 14626 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.42% |
| DAVID NAGEL3 | 2680 RIDGE RD W STE 201C ROCHESTER, NY 14626 | METROPOLITAN LIFE INSURANCE COMPANY | $353 | — | $353 | 0.65% |
| MITCHELL NAGEL AND ASSOC INC3 | PO BOX 683 CANANDAIGUA, NY 14424 | METROPOLITAN LIFE INSURANCE COMPANY | $298 | — | $298 | 0.55% |
| DAVID NAGEL3 Filed as: DAVID A NAGEL | 2680 W RIDGE RD STE 201C ROCHESTER, NY 14626 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 3.24% |
| MITCHELL-NAGEL & ASSOCIATES3 Filed as: MITCHELL NAGEL AND ASSOCIATES INC | PO BOX 683 CANANDAIGUA, NY 14424 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 3.24% |
| JEFFREY NAGEL3 Filed as: JEFFREY D NAGEL | 2680 WEST RIDGE RD STE 201C ROCHESTER, NY 14626 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 2.22% |
| MITCHELL-NAGEL & ASSOCIATES3 Filed as: MITCHELL NAGEL AND ASSOCIATES INC | PO BOX 683 CANANDAIGUA, NY 14424 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 5.65% |
| DAVID NAGEL3 | 2680 W RIDGE RD STE 201C ROCHESTER, NY 14626 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 5.65% |
| JEFFREY NAGEL3 Filed as: JEFFREY D NAGEL | 2680 WEST RIDGE RD STE 201C ROCHESTER, NY 14626 | FIRST UNUM LIFE INSURANCE COMPANY | $949 | — | $949 | 3.72% |
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 | 884 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 903 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | EXCELLUS BLUECROSS BLUESHIELD | 151 | $1.7M |
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 206 | $109K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 844 | $111K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 779 | $53K |
| Prescription drug(2 contracts) | EXCELLUS BLUECROSS BLUESHIELD | 151 | $1.7M |
| Other(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 844 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 844 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.