See the carriers, broker commissions and premiums for this plan.
It also shows filing history and funding margin. Your first month is $4.99.
See 4 contract rows with premium, retention and renewal dates. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
See commissions and fees for 4 broker rows. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MANNING & NAPIER, INC. EIN 16-0995763 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $180K |
| STEVE OSTRANDER EIN 16-0766976 FUND MANAGER | Direct payment from the plan; Employee (plan) Service code 30 | — | $84K |
| BONADIO & CO., LLP EIN 16-1131146 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $79K |
| PATRICIA MARCIANO EIN 16-0766976 BENEFIT SPECIALIST | Direct payment from the plan; Employee (plan) Service code 30 | — | $50K |
| DEBORAH EDIZEL EIN 16-0766976 ANNUITY SPECIALIST | Direct payment from the plan; Employee (plan) Service code 30 | — | $44K |
| INNOVATIVE SOFTWARE SOLUTIONS, INC. NONE | Other services; Direct payment from the plan Service code 49 | 3000 SOUTH LENOLA ROAD MAPLE SHADE, NJ 08052 | $37K |
| BROWN & BROWN OF ROCHESTER NONE | Named fiduciary; Direct payment from the plan; Insurance services Service code 23 | 45 EAST AVENUE 700 ROCHESTER, NY 14604 | $33K |
| BANK OF AMERICA EIN 94-1687665 NONE | Investment management fees paid directly by plan; Custodial (securities) Service code 19 | — | $29K |
| MICHAEL J. TOBIN, ATTY. EIN 16-1523639 NONE | Legal; Direct payment from the plan Service code 29 | — | $25K |
| U.A. LOCAL 13 BUILDING, INC. EIN 23-7358299 RELATED PARTY/RENT | Direct payment from the plan; Other services Service code 49 | — | $20K |
| SEGAL NONE | Custodial (securities); Investment management fees paid directly by plan Service code 19 | 333 WEST 34TH STREET NEW YORK, NY 10001 | $13K |
| WIDYA MCQUAID EIN 16-0766976 FUND ACCOUNTANT | Direct payment from the plan; Employee (plan) Service code 30 | — | $11K |
| GALLAGHER BENEFIT SOLUTIONS INC. NONE | Consulting (general); Direct payment from the plan Service code 16 | 100 MERIDIAN CENTRE BLVD., STE 100 ROCHESTER, NY 14618 | $11K |
| SONITROL SECURITY SYSTEMS NONE | Direct payment from the plan; Other services Service code 49 | 2024 W HENRIETTA RD STE 6A ROCHESTER, NY 14623 | $7K |
| ACCURATE ACOUSTICAL, INC. NONE | Direct payment from the plan; Other services Service code 49 | 793 CANNING PKWY VICTOR, NY 14564 | $7K |
| PHOENIX GRAPHICS NONE | Direct payment from the plan; Other services; Copying and duplicating Service code 36 | 1525 EMERSON ST ROCHESTER, NY 14606 | $6K |
| SYSTMS OF NY NONE | Direct payment from the plan; Other services Service code 49 | 45 EAST AVENUE FLOOR 3 ROCHESTER, NY 14604 | $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 | 832 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 112 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 944 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | EXCELLUS BLUECROSS BLUESHIELD | 629 | $9.5M |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 668 | $474K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 912 | $147K |
| Prescription drug(2 contracts) | EXCELLUS BLUECROSS BLUESHIELD | 629 | $9.5M |
| Other | HARTFORD LIFE AND ACCIDENT | 912 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 912 | — |
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."
Total premium grew more than 20% over the prior year. Good candidate for re-shopping the carriers.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan is either richly funded or stuck with a bad rate.