| 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 | $150K | — | $150K | 1.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MERIDIAN CENTRE BLVD SUITE 100 ROCHESTER, NY 14618 | EXCELLUS BLUECROSS BLUESHIELD | $16K | — | $16K | 3.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MERIDIAN CENTRE BLVD SUITE 100 ROCHESTER, NY 14618 | EXCELLUS BLUECROSS BLUESHIELD | $15K | — | $15K | 3.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MERIDIAN CENTRE BLVD SUITE 100 ROCHESTER, NY 14618 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 6.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MANNING & NAPIER, INC. EIN 16-0995763 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $204K |
| STEVE OSTRANDER EIN 16-0766976 FUND MANAGER | Employee (plan); Direct payment from the plan Service code 30 | — | $86K |
| ASHER KELLY NONE | Legal; Direct payment from the plan Service code 29 | 25800 NORTHWESTERN HIGHWAY, ST 1100 SOUTHFIELD, MI 48075 | $68K |
| BONADIO & CO., LLP EIN 16-1131146 NONE | Accounting (including auditing) Service code 10 | — | $58K |
| LIFETIME BENEFIT SOLUTIONS EIN 13-5581829 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $54K |
| PATRICIA MARCIANO EIN 16-0766976 BENEFIT SPECIALIST | Direct payment from the plan; Employee (plan) Service code 30 | — | $51K |
| DEBORAH EDIZEL EIN 16-0766976 ANNUITY SPECIALIST | Employee (plan) Service code 30 | — | $47K |
| BANK OF AMERICA EIN 94-1687665 NONE | Investment management fees paid directly by plan Service code 51 | — | $38K |
| SEGAL NONE | Custodial (securities); Investment management fees paid directly by plan Service code 19 | 333 WEST 34TH STREET NEW YORK, NY 10001 | $35K |
| U.A. LOCAL 13 BUILDING, INC. EIN 23-7358299 RELATED PARTY/RENT | Other services; Direct payment from the plan Service code 49 | — | $20K |
| INNOVATIVE SOFTWARE SOLUTIONS, INC. NONE | Direct payment from the plan; Other services Service code 49 | 3000 SOUTH LENOLA ROAD MAPLE SHADE, NJ 08052 | $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 |
| PHOENIX GRAPHICS NONE | Direct payment from the plan; Copying and duplicating; Other services Service code 36 | 1525 EMERSON ST ROCHESTER, NY 14606 | $9K |
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 | 772 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 98 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 870 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | EXCELLUS BLUECROSS BLUESHIELD | 616 | $9.7M |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 651 | $519K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 885 | $146K |
| Prescription drug(2 contracts) | EXCELLUS BLUECROSS BLUESHIELD | 616 | $9.7M |
| Other | HARTFORD LIFE AND ACCIDENT | 885 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 885 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.