| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NAGEL CONSULTING LLC3 | 2680 WEST RIDGE ROAD SUITE 201C ROCHESTER, NY 14626 | EXCELLUS BLUECROSS BLUESHIELD | $36K | — | $36K | 3.97% |
| NAGEL CONSULTING LLC3 | 2680 WEST RIDGE ROAD SUITE 201C ROCHESTER, NY 14626 | EXCELLUS BLUECROSS BLUESHIELD | $29K | — | $29K | 4.36% |
| NAGEL CONSULTING LLC3 | 2680 W RIDGE RD STE 201C ROCHESTER, NY 14626 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 2.55% |
| DAVID NAGEL3 Filed as: DAVID A NAGEL | 2680 WEST RIDGE RD SUITE 201C ROCHESTER, NY 14626 | FIRST UNUM LIFE INSURANCE COMPANY | $976 | — | $976 | 0.85% |
| NAGEL CONSULTING LLC3 | 2680 W RIDGE RD SUITE 201C ROCHESTER, NY 14626 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.35% |
| DAVID NAGEL3 | 2680 RIDGE RD W STE 201C ROCHESTER, NY 14626 | METROPOLITAN LIFE INSURANCE COMPANY | $345 | — | $345 | 0.48% |
| NAGEL CONSULTING LLC3 | 2680 W RIDGE RD STE 201C ROCHESTER, NY 14626 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 4.91% |
| DAVID NAGEL3 Filed as: DAVID A NAGEL | 2680 WEST RIDGE RD SUITE 201C ROCHESTER, NY 14626 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 1.64% |
| NAGEL CONSULTING LLC3 | 2680 W RIDGE RD STE 201C ROCHESTER, NY 14626 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 4.25% |
| DAVID NAGEL3 | 2680 W RIDGE RD STE 201C ROCHESTER, NY 14626 | METROPOLITAN LIFE INSURANCE COMPANY | $314 | — | $314 | 0.60% |
| NAGEL CONSULTING LLC3 | 2680 W RIDGE RD STE 201C ROCHESTER, NY 14626 | VISION SERVICE PLAN | $2K | — | $2K | 4.23% |
| NAGEL CONSULTING LLC3 | 2680 WEST RIDGE RD SUITE 201C ROCHESTER, NY 14626 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | — | $4K | 11.25% |
| DAVID NAGEL3 Filed as: DAVID A NAGEL | 2680 W RIDGE RD STE 201C ROCHESTER, NY 14626 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 3.75% |
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 | 290 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | EXCELLUS BLUECROSS BLUESHIELD | 95 | $1.6M |
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 260 | $124K |
| Vision | VISION SERVICE PLAN | 213 | $37K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 986 | $151K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 905 | $70K |
| Prescription drug(2 contracts) | EXCELLUS BLUECROSS BLUESHIELD | 95 | $1.6M |
| Other(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 986 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 986 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.