| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NOVEM BENEFITS INC3 | 350 LINDEN OAKS SUITE 140 ROCHESTER, NY 14625 | EXCELLUS BLUE CROSS BLUE SHIELD | $15K | — | $15K | 2.39% |
| APFS ROCHESTER INC3 Filed as: APFS ROCHESTER INC DBA NOVEM GROUP | 350 LINDEN OAKS SUITE 140 ROCHESTER, NY 14625 | EXCELLUS BLUE CROSS BLUE SHIELD | $11K | — | $11K | 1.64% |
| APFS ROCHESTER INC3 Filed as: APFS ROCHESTER INC DBA NOVEM GROUP | 350 LINDEN OAKS SUITE 140 ROCHESTER, NY 14625 | EXCELLUS BLUE CROSS BLUE SHIELD | $2K | — | $2K | 4.86% |
| NOVEM BENEFITS INC3 | 350 LINDEN OAKS SUITE 140 ROCHESTER, NY 14625 | EXCELLUS BLUE CROSS BLUE SHIELD | $2K | — | $2K | 4.85% |
| APFS ROCHESTER INC3 | 350 LINDEN OAKS STE 140 ROCHESTER, NY 14625 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 6.64% |
| NOVEM BENEFITS INC3 | 350 LINDEN OAKS STE 140 ROCHESTER, NY 14625 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 8.64% |
| ALLIANCE ADVISORY GRP INC3 | 600 DELAWARE AVENUE BUFFAO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $211 | — | $211 | 0.65% |
| NOVEM BENEFITS INC3 | 350 LINDEN OAKS STE 140 ROCHESTER, NY 146252807 | VISION SERVICE PLAN | $559 | — | $559 | 9.02% |
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 | 82 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 59 | $641K |
| Dental(2 contracts) | EXCELLUS BLUE CROSS BLUE SHIELD | 82 | $689K |
| Vision | VISION SERVICE PLAN | 46 | $6K |
| Life insurance(2 contracts, 2 carriers) | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 110 | $66K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 59 | $641K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 110 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.