See the carriers, broker commissions and premiums for this plan.
It also shows filing history and funding margin. Your first month is $4.99.
See 22 contract rows with premium, retention and renewal dates. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
See commissions and fees for 11 broker rows. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
| 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 2x the peer median for this NAICS and size cohort. The plan is either richly funded or stuck with a bad rate.