| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UPSTATE FINANCIAL SERVICES | — | MVP HEALTHCARE | $71K | — | $71K | 3.41% |
| BOND BENEFITS CONSULTING LLC3 | 71A MONROE AVENUE PITTSFORD, NY 14534 | EXCELLUS BLUE CROSS BLUE SHIELD | $37K | — | $37K | 4.01% |
| BOND BENEFITS CONSULTING LLC3 | 71A MONROE AVENUE PITTSFORD, NY 14534 | EXCELLUS BLUE CROSS BLUE SHIELD | $12K | — | $12K | 3.69% |
| BOND BENEFITS CONSULTING LLC3 | 71A MONROE AVENUE PITTSFORD, NY 14534 | EXCELLUS BLUE CROSS BLUE SHIELD | $790 | — | $790 | 0.38% |
| UPSTATE FINANCIAL SERVICES | — | MVP HEALTHCARE | $2K | — | $2K | 4.70% |
| BOND BENEFITS CONSULTING LLC3 | 71A MONROE AVENUE PITTSFORD, NY 14534 | EXCELLUS BLUE CROSS BLUE SHIELD | $2K | — | $2K | 4.92% |
| BOND BENEFITS CONSULTING LLC3 | 71A MONROE AVENUE PITTSFORD, NY 14534 | EXCELLUS BLUE CROSS BLUE SHIELD | $857 | — | $857 | 3.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KARPUS INVESTMENT MANAGEMENT CONSULTANT | Legal Service code 29 | 183 SULLY'S TRAIL PITTSFORD, NY 14534 | $49K |
| KRIS WILLIAMSON EMPLOYEE | Plan Administrator Service code 14 | 130 METRO PARK ROCHESTER, NY 14623 | $49K |
| MOYER AND ASSOCIATES PC ATTORNEY | Legal Service code 29 | 28 EAST MAIN STREET SUITE 900 ROCHESTER, NY 14614 | $36K |
| SEAN HUCKO | Accounting (including auditing) Service code 10 | — | $18K |
| SEAN M HUCKO EIN 47-4215313 AUDITOR | Accounting (including auditing) Service code 10 | 1851 STONE ROAD ROCHESTER, NY 14615 | $18K |
| BLITMAN AND KING LEGAL COUNSEL | Legal Service code 29 | 16 W MAIN STREET ROCHESTER, NY 14614 | $15K |
| WESTMINSTER CONSULTING LLC CONSULTANT | Investment advisory (plan) Service code 27 | 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 | 1,670 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 339 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 756 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,765 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(23 contracts, 8 carriers) | MVP HEALTHCARE | 244 | $5.6M |
| Dental(3 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 500 | $468K |
| Vision | DAVIS VISION | 1,487 | $227K |
| Life insurance | ULLICO LIFE INSURANCE | 267 | $60K |
| Prescription drug(4 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 81 | $1.2M |
| Other | ULLICO LIFE INSURANCE | 267 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,487 | — |
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.