| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UPSTATE FINANCIAL SERVICES3 | — | MVP HEALTH CARE | $75K | — | $75K | 3.73% |
| BOND BENEFITS CONSULTING LLC3 | 71A MONROE AVENUE ROCHESTER, NY 14534 | EXCELLUS HEALTH PLAN INC | $35K | — | $35K | 4.00% |
| BOND BENEFITS CONSULTING LLC3 | 71A MONROE AVENUE ROCHESTER, NY 14534 | EXCELLUS | $16K | — | $16K | 4.07% |
| BOND BENEFITS CONSULTING LLC3 | 71A MONROE AVENUE ROCHESTER, NY 14534 | EXCELLUS BLUE CROSS AND BLUE SHIELD | $6K | — | $6K | 3.06% |
| BOND BENEFITS CONSULTING LLC3 | 71A MONROE AVENUE ROCHESTER, NY 14534 | EXCELLUS HEALTH PLAN | $7K | — | $7K | 4.00% |
| BOND BENEFITS CONSULTING LLC3 | 71A MONROE AVENUE ROCHESTER, NY 14534 | EXCELLUS HEALTH PLAN | $6K | — | $6K | 4.33% |
| BOND BENEFITS CONSULTING LLC3 | 71A MONROE AVENUE ROCHESTER, NY 14534 | EXCELLUS BLUE CROSS BLUE SHIELD PLAN | $4K | — | $4K | 4.00% |
| BOND BENEFITS CONSULTING LLC3 | 71A MONROE AVENUE ROCHESTER, NY 14534 | EXCELLUS HEALTH PLAN | $4K | — | $4K | 4.00% |
| BOND BENEFITS CONSULTING LLC3 | 71A MONROE AVENUE ROCHESTER, NY 14534 | EXCELLUS BLUE CROSS BLUE SHIELD | $3K | — | $3K | 4.06% |
| BOND BENEFITS CONSULTING LLC3 | 71A MONROE AVENUE ROCHESTER, NY 14534 | EXCELLUS HEALTH PLAN | $926 | — | $926 | 4.00% |
| BOND BENEFITS CONSULTING LLC3 | 71A MONROE AVENUE ROCHESTER, NY 14534 | EXCELLUS HEALTH PLAN | $573 | — | $573 | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KARPUS INVESTMENT MANAGEMENT CONSULTANT | Investment advisory (plan) Service code 27 | 183 SULLY'S TRAIL PITTSFORD, NY 14534 | $48K |
| KRIS WIILAMSON EIN 16-0962644 EMPLOYEE | Plan Administrator Service code 14 | 130 METRO PARK ROCHESTER, NY 14623 | $48K |
| BLITMAN AND KING LEGAL COUNSEL | Legal Service code 29 | 16 W MAIN STREET ROCHESTER, NY 14614 | $28K |
| MOYER AND ASSOCIATES PC ATTORNEY | Legal Service code 29 | 28 EAST MAIN STREET SUITE 900 ROCHESTER, NY 14614 | $21K |
| WESTMINSTER CONSULTING LLC EIN 45-3679779 CONSULTANT | Investment advisory (plan) Service code 27 | 11 CENTRE PARK ROCHESTER, NY 14614 | $19K |
| SEAN M HUCKO EIN 47-4215313 AUDITOR | Accounting (including auditing) Service code 10 | 1851 STONE ROAD SUITE 102 ROCHESTER, NY 14615 | $18K |
| JOSEPH MCCARTHY AUDITOR | Accounting (including auditing) Service code 10 | 7738 OSWEGO ROAD LIVERPOOL, NY 13090 | $10K |
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 | 1,672 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 341 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 627 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 25 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 2,665 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(18 contracts, 9 carriers) | MVP HEALTH CARE | 292 | $4.9M |
| Dental(9 contracts, 4 carriers) | EXCELLUS | 298 | $1.2M |
| Vision | DAVIS VISION | 0 | $227K |
| Life insurance | ULLICO LIFE INSURANCE | 274 | $67K |
| Prescription drug(8 contracts, 4 carriers) | EXCELLUS HEALTH PLAN INC | 81 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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.