| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DENNIS KIRBY3 | 3440 DENSMORE ROAD ALBION, NY 144119611 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 14.21% |
| ENV INSURANCE AGENCY LLC3 Filed as: ENV INSURANCE AGENCY, LLC | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | EXCELLUS BLUECROSS BLUESHIELD | — | -$361 | -$361 | -4.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCELLUS EIN 15-0329043 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $219K |
| MINDY LACLAIR EIN 16-0760551 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $61K |
| BLITMAN & KING EIN 16-1047304 NONE | Direct payment from the plan; Legal Service code 29 | — | $55K |
| BONADIO & CO. LLP EIN 16-1131146 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $52K |
| BOLTON PARTNERS NORTHEAST, INC. EIN 27-3666661 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $45K |
| RICHARD ROWE EIN 16-0760551 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $38K |
| MANNING & NAPIER ADVISORS, INC. EIN 16-0995736 INVESTMENT MANAGER | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $31K |
| THE SEGAL CO. EIN 13-1835864 NONE | Direct payment from the plan; Consulting (pension); Accounting (including auditing) Service code 10 | — | $25K |
| LIFETIME BENEFIT SOLUTIONS THIRD PARTY ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | 70 METRO PARK ROCHESTER, NY 14623 | $19K |
| KARPUS INVESTMENT MANAGER | Direct payment from the plan; Investment management Service code 28 | 183 SULLYS TRAIL PITTSFORD, NY 14534 | $10K |
| DAVIS VISION EIN 11-3051991 THIRD PARTY ADMINISTRATOR | Direct payment from the plan; Claims processing Service code 12 | — | $7K |
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 | 450 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 450 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | EXCELLUS BLUECROSS BLUESHIELD | 138 | $923K |
| Vision(2 contracts) | DAVIS VISION | 1,058 | $98K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 386 | $18K |
| Prescription drug(3 contracts) | EXCELLUS BLUECROSS BLUESHIELD | 138 | $915K |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUECROSS BLUESHIELD | 390 | $140K |
| Other | AETNA LIFE INSURANCE COMPANY | 386 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,058 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.