| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UPSTATE FINANCIAL SERVICES | — | MVP HEALTHCARE | $75K | — | $75K | 3.75% |
| LOUIS ARGIRO | 116 LORMIK LANE SYRACUSE, NY 13219 | EXCELLUS BLUE CROSS BLUE SHIELD | $22K | — | $22K | 2.54% |
| LIFETIME BENEFIT SOLUTIONS, INC. Filed as: LIFETIME BENEFIT SOLUTIONS INC. | 2457 STATE RT 7 SUITE 1 COBLESKILL, NY 12043 | EXCELLUS BLUE CROSS BLUE SHIELD | $7K | — | $7K | 0.85% |
| BOND BENEFITS CONSULTING LLC3 | 71A MONROE AVENUE PITTSFORD, NY 14534 | EXCELLUS BLUE CROSS BLUE SHIELD | $6K | — | $6K | 0.73% |
| BOND BENEFITS CONSULTING LLC3 | 71A MONROE AVENUE PITTSFORD, NY 14534 | EXCELLUS HEALTH PLAN | $34K | — | $34K | 4.75% |
| BOND BENEFITS CONSULTING LLC3 | 71A MONROE AVENUE PITTSFORD, NY 14534 | EXCELLUS HEALTH PLAN | $18K | — | $18K | 4.08% |
| LOUIS ARGIRO | 116 LORMIK LANE SYRACUSE, NY 13219 | EXCELLUS BLUE CROSS BLUE SHIELD | $6K | — | $6K | 1.91% |
| BOND BENEFITS CONSULTING LLC3 | 71A MONROE AVENUE PITTSFORD, NY 14534 | EXCELLUS BLUE CROSS BLUE SHIELD | $5K | — | $5K | 1.61% |
| BOND BENEFITS CONSULTING LLC3 | 71A MONROE AVENUE PITTSFORD, NY 14534 | EXCELLUS HEALTH PLAN | $6K | — | $6K | 3.59% |
| LAVORO GROUP CORP Filed as: LAVORO GROUP | 225 TECH PARK DRIVE ROCHESTER, NY 14623 | EXCELLUS HEALTH PLAN | $5K | — | $5K | 3.51% |
| ENROLLEASE Filed as: KAFL INC | 800 LINDEN AVENUE ROCHESTER, NY 14625 | EXCELLUS HEALTH PLAN | $1K | — | $1K | 0.70% |
| BOND BENEFITS CONSULTING LLC3 | 71A MONROE AVENUE PITTSFORD, NY 14534 | EXCELLUS HEALTH PLAN | $6K | — | $6K | 4.17% |
| LOUIS ARGIRO | 116 LORMIK LANE SYRACUSE, NY 13219 | EXCELLUS BLUE CROSS BLUE SHIELD | $4K | — | $4K | 3.49% |
| BOND BENEFITS CONSULTING LLC | 71A MONROE AVENUE PITTSFORD, NY 14534 | EXCELLUS BLUE CROSS BLUE SHIELD | $905 | — | $905 | 0.72% |
| BOND BENEFITS CONSULTING LLC3 | 71A MONROE AVENUE PITTSFORD, NY 14534 | EXCELLUS HEALTH PLAN | $4K | — | $4K | 4.17% |
| BOND BENEFITS CONSULTING LLC | 71A MONROE AVENUE PITTSFORD, NY 14534 | EXCELLUS BLUE CROSS BLUE SHIELD | $987 | — | $987 | 3.59% |
| UPSTATE FINANCIAL SERVICES | — | MVP HEALTHCARE | $1K | — | $1K | 5.27% |
| BOND BENEFITS CONSULTING LLC3 | 71A MONROE AVENUE PITTSFORD, NY 14534 | EXCELLUS HEALTH PLAN | $359 | — | $359 | 5.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KARPUS INVESTMENT MANAGEMENT CONSULTANT | Legal Service code 29 | 183 SULLY'S TRAIL PITTSFORD, NY 14534 | $57K |
| 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 | $35K |
| BLITMAN AND KING LEGAL COUNSEL | Legal Service code 29 | 16 W MAIN STREET ROCHESTER, NY 14614 | $25K |
| SEAN M HUCKO EIN 47-4215313 AUDITOR | Accounting (including auditing) Service code 10 | 1851 STONE ROAD ROCHESTER, NY 14615 | $18K |
| SEAN HUCKO | Accounting (including auditing) Service code 10 | — | $18K |
| WESTMINSTER CONSULTING LLC CONSULTANT | Investment advisory (plan) Service code 27 | 11 CENTRE PARK ROCHESTER, NY 14614 | $13K |
| JOSEPH MCCARTHY | Consulting (general) Service code 16 | 7738 OSWEGO ROAD LIVERPOOL, NY 13090 | $9K |
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 | 1,612 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 342 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 753 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,707 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(18 contracts, 6 carriers) | MVP HEALTHCARE | 148 | $5.8M |
| Dental(9 contracts, 2 carriers) | EXCELLUS HEALTH PLAN | 308 | $2.0M |
| Vision | DAVIS VISION | 1,403 | $217K |
| Prescription drug(10 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 73 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,403 | — |
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.