| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MANNING & NAPIER BENEFITS LLC3 Filed as: MANNING & NAPIER BENEFITS | 295 WOODCLIFF DRIVE 2ND FL FAIRPORT, NY 14450 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $11K | — | $11K | 1.61% |
| MANNING & NAPIER BENEFITS LLC3 Filed as: MANNING & NAPIER BENEFITS | 295 WOODCLIFF DRIVE 2ND FL FAIRPORT, NY 14450 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $36K | — | $36K | 7.50% |
| MANNING & NAPIER BENEFITS LLC3 Filed as: MANNING & NAPIER BENEFITS | 295 WOODCLIFF DRIVE 2ND FL FAIRPORT, NY 14450 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $23K | — | $23K | 5.77% |
| MANNING & NAPIER BENEFITS LLC3 | 290 WOODCLIFF DRIVE FAIRPORT, NY 14450 | AETNA LIFE INSURANCE CO. | $19K | — | $19K | 9.77% |
| MANNING & NAPIER BENEFITS LLC3 Filed as: MANNING & NAPIER BENEFITS | 295 WOODCLIFF DRIVE 2ND FL FAIRPORT, NY 14450 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $5K | — | $5K | 10.43% |
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 | 5,070 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,085 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BCBS | 45 | $536K |
| Vision | AETNA LIFE INSURANCE CO. | 1,432 | $191K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 4,162 | $390K |
| Short-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 5,070 | $473K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 3,470 | $658K |
| Prescription drug | EXCELLUS BCBS | 45 | $536K |
| Other | CIGNA LIFE INSURANCE CO. OF NEW YORK | 4,162 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,070 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.