| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MN AND A MEDICAL MARKETING3 | 2680 W RIDGE ROAD SUITE 201C ROCHESTER, NY 14626 | EXCELLUS BLUECROSS BLUESHIELD | $19K | — | $19K | 2.99% |
| NAGEL CONSULTING LLC3 | 2680 WEST RIDGE ROAD SUITE 201C ROCHESTER, NY 14626 | EXCELLUS BLUECROSS BLUESHIELD | $9K | — | $9K | 1.40% |
| NAGEL CONSULTING LLC3 | 2680 W RIDGE RD STE 201C ROCHESTER, NY 14626 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 1.64% |
| DAVID NAGEL3 Filed as: DAVID A NAGEL | 2680 WEST RIDGE RD SUITE 201C ROCHESTER, NY 14626 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 1.04% |
| JEFFREY NAGEL3 Filed as: JEFFREY D NAGEL | 2680 WEST RIDGE RD STE 201C ROCHESTER, NY 14626 | FIRST UNUM LIFE INSURANCE COMPANY | $980 | — | $980 | 0.98% |
| MITCHELL-NAGEL & ASSOCIATES3 Filed as: MITCHELL NAGEL AND ASSOCIATES INC | PO BOX 683 CANANDAIGUA, NY 14424 | FIRST UNUM LIFE INSURANCE COMPANY | $490 | — | $490 | 0.49% |
| JEFFREY NAGEL3 | 2680 W RIDGE RD SUITE 201C MITCHELL NAGEL AND ASSOC ROCHESTER, NY 14626 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.10% |
| DAVID NAGEL3 | 2680 RIDGE RD W STE 201C ROCHESTER, NY 14626 | METROPOLITAN LIFE INSURANCE COMPANY | $312 | — | $312 | 0.45% |
| MITCHELL NAGEL AND ASSOC INC3 | PO BOX 683 CANANDAIGUA, NY 14424 | METROPOLITAN LIFE INSURANCE COMPANY | $231 | $26 | $257 | 0.37% |
| NAGEL CONSULTING LLC3 | 2680 W RIDGE RD STE 201C ROCHESTER, NY 14626 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 2.82% |
| JEFFREY NAGEL3 Filed as: JEFFREY D NAGEL | 2680 WEST RIDGE RD SUITE 201C ROCHESTER, NY 14626 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 2.21% |
| DAVID NAGEL3 Filed as: DAVID A NAGEL | 2680 WEST RIDGE RD STE 201C ROCHESTER, NY 14626 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 2.04% |
| MITCHELL-NAGEL & ASSOCIATES3 Filed as: MITCHELL NAGEL AND ASSOCIATES INC | PO BOX 683 CANANDAIGUA, NY 14424 | FIRST UNUM LIFE INSURANCE COMPANY | $657 | — | $657 | 1.11% |
| JEFFREY NAGEL3 | 2680 W RIDGE RD STE 201C MITCHELL NAGEL ASSOC ROCHESTER, NY 14626 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.71% |
| DAVID NAGEL3 | 2680 W RIDGE RD STE 201C ROCHESTER, NY 14626 | METROPOLITAN LIFE INSURANCE COMPANY | $319 | — | $319 | 0.59% |
| MITCHELL NAGEL AND ASSOC INC3 Filed as: MITCHELL NAGEL AND ASSOCIATION INC | PO BOX 683 CANANDAIGUA, NY 14424 | METROPOLITAN LIFE INSURANCE COMPANY | $262 | $26 | $288 | 0.53% |
| JEFFREY NAGEL3 | 2680 WEST RIDGE ROAD STE 201C ROCHESTER, NY 14626 | VISION SERVICE PLAN | $1K | — | $1K | 3.58% |
| NAGEL CONSULTING LLC3 | 2680 WEST RIDGE ROAD STE 201C ROCHESTER, NY 14626 | VISION SERVICE PLAN | $308 | — | $308 | 0.97% |
| JEFFREY NAGEL3 Filed as: JEFFREY D NAGEL | 2680 WEST RIDGE RD SUITE 201C ROCHESTER, NY 14626 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 5.41% |
| DAVID NAGEL3 | 2680 W RIDGE RD STE 201C ROCHESTER, NY 14626 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 3.75% |
| NAGEL CONSULTING LLC3 | 2680 WEST RIDGE RD STE 201C ROCHESTER, NY 14626 | FIRST UNUM LIFE INSURANCE COMPANY | $876 | — | $876 | 3.14% |
| MITCHELL-NAGEL & ASSOCIATES3 Filed as: MITCHELL NAGEL AND ASSOCIATES INC | PO BOX 683 CANANDAIGUA, NY 14424 | FIRST UNUM LIFE INSURANCE COMPANY | $755 | — | $755 | 2.70% |
| MEDICAL BENEFITS ADMINISTRATORS3 Filed as: M N AND A MEDICAL MARKETING | 2680 W RIDGE RD SUITE 201C ROCHESTER, NY 14626 | EXCELLUS BLUECROSS BLUESHIELD | $23K | — | $23K | — |
| NAGEL CONSULTING LLC3 | 2680 WEST RIDGE ROAD SUITE 201C ROCHESTER, NY 14626 | EXCELLUS BLUECROSS BLUESHIELD | $12K | — | $12K | — |
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 | 319 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | EXCELLUS BLUECROSS BLUESHIELD | 146 | $631K |
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 262 | $123K |
| Vision | VISION SERVICE PLAN | 195 | $32K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 921 | $128K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 847 | $59K |
| Prescription drug(2 contracts) | EXCELLUS BLUECROSS BLUESHIELD | 146 | $631K |
| Other(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 921 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 921 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.