| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC/BOND | 71A MONROE AVE PITTSFORD, NY 14534 | MVP HEALTH CARE | $62K | — | $62K | 3.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | MVP HEALTH CARE | $13K | — | $13K | 0.72% |
| BOND BENEFITS CONSULTING LLC3 | 71A MONROE AVE PITTSFORD, NY 14534 | EXCELLUS BLUE CROSS BLUE SHIELD | $5K | — | $5K | 4.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $2K | — | $2K | 1.49% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC/BOND | 71A MONROE AVE PITTSFORD, NY 14534 | EXCELLUS BLUE CROSS BLUE SHIELD | $1K | — | $1K | 1.23% |
| BOND BENEFITS CONSULTING LLC3 | 71 MONROE AVE STE A PITTSFORD, NY 14534 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $612 | $3K | 6.12% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 71 MONROE AVE STE A PITTSFORD, NY 14534 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $421 | $225 | $646 | 1.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVENUE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $353 | — | $353 | 0.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVENUE ROCHESTER, NY 14604 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.63% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC/BOND | 71 MONROE AVE STE A PITTSFORD, NY 14534 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.55% |
| BOND BENEFITS CONSULTING LLC3 | 71 MONROE AVE STE A PITTSFORD, NY 14534 | HM LIFE INSURANCE COMPANY OF NEW YORK | $483 | — | $483 | 4.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVENUE ROCHESTER, NY 14604 | HM LIFE INSURANCE COMPANY OF NEW YORK | $366 | — | $366 | 3.38% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC/BOND | 71 MONROE AVE STE A PITTSFORD, NY 14534 | HM LIFE INSURANCE COMPANY OF NEW YORK | $233 | — | $233 | 2.15% |
No Schedule C service providers reported on this filing.
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 | 276 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTH CARE | 269 | $1.8M |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 141 | $104K |
| Vision | HM LIFE INSURANCE COMPANY OF NEW YORK | 120 | $11K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 276 | $42K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 227 | $29K |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 276 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.