| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MERIDIAN CENTRE BLVD SUITE 100 ROCHESTER, NY 14618 | EXCELLUS BLUECROSS BLUESHIELD | $15K | — | $15K | 3.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MERIDIAN CENTRE BLVD SUITE 100 ROCHESTER, NY 14618 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 3.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MANNING & NAPIER, INC. EIN 16-0995763 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $145K |
| STEVE OSTRANDER EIN 16-0766976 FUND MANAGER | Direct payment from the plan; Employee (plan) Service code 30 | — | $80K |
| BONADIO & CO., LLP EIN 16-1131146 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $48K |
| TRICIA MARCIANO EIN 16-0766976 BENEFIT SPECIALIST | Employee (plan); Direct payment from the plan Service code 30 | — | $47K |
| MELISSA DEL PRETE EIN 16-0766976 ANNUITY SPECIALIST | Direct payment from the plan; Employee (plan) Service code 30 | — | $42K |
| BANK OF AMERICA EIN 94-1687665 NONE | Custodial (securities); Investment management fees paid directly by plan Service code 19 | — | $37K |
| MICHAEL J. TOBIN, ATTY. EIN 16-1523639 NONE | Legal; Direct payment from the plan Service code 29 | — | $31K |
| GALLAGHER BENEFIT SOLUTIONS INC. NONE | Direct payment from the plan; Consulting (general) Service code 16 | 100 MERIDIAN CENTRE BLVD., STE 100 ROCHESTER, NY 14618 | $10K |
| WIDYA MCQUAID EIN 16-0766976 FUND ACCOUNTANT | Employee (plan); Direct payment from the plan Service code 30 | — | $8K |
| PHOENIX GRAPHICS INC. NONE | Direct payment from the plan; Other services Service code 49 | 1525 EMERSON STREET ROCHESTER, NY 14606 | $5K |
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 | 758 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 136 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 894 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 135 | $572K |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 631 | $504K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 833 | $132K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 135 | $572K |
| Other | HARTFORD LIFE AND ACCIDENT | 833 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 833 | — |
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."
No prospect flags tripped on this filing.