| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC | 1 SOUTH WASHINGTON STREET SUITE520 ROCHESTER, NY 14614 | EXCELLUS BLUE CROSS BLUE SHIELD | $51K | — | $51K | 4.09% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC | 1 SOUTH WASHINGTON STREET SUITE520 ROCHESTER, NY 14614 | EXCELLUS BLUE CROSS BLUE SHIELD | $8K | — | $8K | 6.62% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC | 1 SOUTH WASHINGTON STREET SUITE520 ROCHESTER, NY 14614 | LINCOLN FINANCIAL GROUP | $3K | — | $3K | 4.23% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC | 1 SOUTH WASHINGTON STREET SUITE520 ROCHESTER, NY 14614 | LINCOLN FINANCIAL GROUP | $4K | — | $4K | 9.09% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC | 1 SOUTH WASHINGTON STREET SUITE520 ROCHESTER, NY 14614 | GUARDIAN | $1K | — | $1K | 9.16% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC | 1 SOUTH WASHINGTON STREET SUITE520 ROCHESTER, NY 14614 | LINCOLN FINANCIAL GROUP | $824 | — | $824 | 15.01% |
No Schedule C service providers reported on this filing.
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 | 488 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 529 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 245 | $1.3M |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 211 | $115K |
| Vision | GUARDIAN | 166 | $15K |
| Life insurance | LINCOLN FINANCIAL GROUP | 529 | $79K |
| Short-term disability | LINCOLN FINANCIAL GROUP | 15 | $5K |
| Long-term disability | LINCOLN FINANCIAL GROUP | 490 | $49K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 245 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 529 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.