No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KRIS WILLIAMSON EMPLOYEE | Plan Administrator Service code 14 | 130 METRO PARK ROCHESTER, NY 14623 | $46K |
| KARPUS INVESTMENT MANAGEMENT EIN 16-1290588 INVESTMENT ADVISOR | Investment advisory (plan) Service code 27 | 183 SULLY'S TRAIL PITTSFORD, NY 14534 | $46K |
| BLITMAN AND KING EIN 16-1047304 LEGAL COUNSEL | Legal Service code 29 | 16 W MAIN STREET ROCHESTER, NY 14614 | $26K |
| WESTMINSTER CONSULTING, LLC EIN 45-3679779 CONSULTANT | Direct payment from the plan Service code 50 | 11 CENTRE PARK ROCHESTER, NY 14614 | $19K |
| SEAN HUCKO, CPA, LLC EIN 47-4215313 AUDITOR | Accounting (including auditing) Service code 10 | 1851 STONE ROAD, SUITE 102 ROCHESTER, NY 14615 | $17K |
| JOSEPH W. MCCARTHY & ASSOCIATES CONSULTANT | Direct payment from the plan Service code 50 | 7644 ROUTE 31 WEST BALDWINSVILLE, NY 13027 | $6K |
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 | 1,680 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 228 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 361 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 23 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 2,292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 5 carriers) | MYP HEALTH CARE | 211 | $4.1M |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 257 | $177K |
| Vision | DAVIS VISION | 1,301 | $193K |
| Life insurance | ULLICO LIFE INSURANCE | 283 | $62K |
| Prescription drug(6 contracts, 3 carriers) | EXCELLUS HEALTH PLAN INC. | 82 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,301 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.