No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KARPUS INVESTMENT MANAGEMENT INVESTMENT ADVISOR | Investment advisory (plan) Service code 27 | 183 SULLY'S TRAIL PITTSFORD, NY 14534 | $48K |
| KRIS WILLIAMSON EIN 16-0962644 EMPLOYEE | Plan Administrator Service code 14 | 130 METRO PARK ROCHESTER, NY 14623 | $48K |
| BLITMAN AND KING EIN 16-1047304 LEGAL COUNSEL | Legal Service code 29 | 16 W MAIN STREET ROCHESTER, NY 14614 | $17K |
| SEAN M HUCKO EIN 47-4215313 AUDITOR | Accounting (including auditing) Service code 10 | 1851 STONE ROAD, SUITE 102 ROCHESTER, NY 14615 | $17K |
| WESTMINSTER CONSULTING, LLC EIN 45-3679779 CONSULTANT | Direct payment from the plan Service code 50 | 11 CENTRE PARK ROCHESTER, NY 14614 | $15K |
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 | 1,816 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 331 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 416 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 24 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 2,587 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(12 contracts, 5 carriers) | MVP HEALTH CARE | 186 | $4.7M |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 263 | $175K |
| Vision | DAVIS VISION | 1,280 | $192K |
| Life insurance | ULLICO LIFE INSURANCE | 278 | $68K |
| Prescription drug(5 contracts, 3 carriers) | EXCELLUS HEALTH PLAN INC. | 82 | $935K |
| Other | ULLICO LIFE INSURANCE | 278 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,280 | — |
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.