| 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 | $158K | — | $158K | 1.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MERIDIAN CENTRE BLVD SUITE 100 ROCHESTER, NY 14618 | EXCELLUS BLUECROSS BLUESHIELD | $18K | — | $18K | 2.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MERIDIAN CENTRE BLVD SUITE 100 ROCHESTER, NY 14618 | EXCELLUS BLUECROSS BLUESHIELD | $10K | — | $10K | 3.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MERIDIAN CENTRE BLVD SUITE 100 ROCHESTER, NY 14618 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 4.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $107 | $18K | 13.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 606907219 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $107 | $14K | 11.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 606907219 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $107 | $13K | 13.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 606907219 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $107 | $7K | 9.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 606907219 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MERIDIAN CENTRE BLVD SUITE 100 ROCHESTER, NY 14618 | EXCELLUS BLUECROSS BLUESHIELD | $415 | — | $415 | 3.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MANNING & NAPIER, INC. EIN 16-0995763 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $249K |
| BONADIO & CO., LLP EIN 16-1131146 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $150K |
| LIFETIME BENEFIT SOLUTIONS EIN 13-5581829 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $101K |
| ASHER KELLY NONE | Legal; Direct payment from the plan Service code 29 | 25800 NORTHWESTERN HIGHWAY, ST 1100 SOUTHFIELD, MI 48075 | $98K |
| STEVE OSTRANDER EIN 16-0766976 FUND MANAGER | Direct payment from the plan; Employee (plan) Service code 30 | — | $93K |
| DEBORAH EDIZEL EIN 16-0766976 ANNUITY SPECIALIST | Employee (plan); Direct payment from the plan Service code 30 | — | $62K |
| MODERN ADMINSTRATION SYSTEMS, LLC NONE | Direct payment from the plan; Other services Service code 49 | 3000 SOUTH LENOLA ROAD MAPLE SHADE, NJ 08052 | $57K |
| PATRICIA MARCIANO EIN 16-0766976 BENEFIT SPECIALIST | Direct payment from the plan; Employee (plan) Service code 30 | — | $57K |
| BANK OF AMERICA EIN 94-1687665 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $32K |
| NATHAN BURDICK EIN 16-0766976 FUND MANAGER | Employee (plan); Direct payment from the plan Service code 30 | — | $26K |
| U.A. LOCAL 13 BUILDING, INC. EIN 23-7358299 RELATED PARTY/RENT | Other services; Direct payment from the plan 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 | $19K |
| MORGAN STANLEY SMITH BARNEY EIN 11-3658445 NONE | Custodial (securities); Direct payment from the plan; Other fees Service code 19 | — | $18K |
| PC RESULTS INC. NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 333 METRO PARK ROCHESTER, NY 14623 | $13K |
| PHOENIX GRAPHICS NONE | Copying and duplicating; Other services; Direct payment from the plan Service code 36 | 1525 EMERSON ST ROCHESTER, NY 14606 | $11K |
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 | 850 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 66 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 916 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 2 carriers) | EXCELLUS BLUECROSS BLUESHIELD | 1,246 | $13.2M |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 710 | $613K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 936 | $159K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 873 | $74K |
| Prescription drug(2 contracts) | EXCELLUS BLUECROSS BLUESHIELD | 677 | $12.9M |
| Other | HARTFORD LIFE AND ACCIDENT | 936 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,246 | — |
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.