| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SMOLA CONSULTING, LLC3 | 1 SOUTH WASHINGTON ST, SUITE 502 ROCHESTER, NY 14614 | EXCELLUS BLUECROSS BLUESHIELD (1) | $150K | — | $150K | 1.78% |
| SMOLA CONSULTING, LLC3 | 1 SOUTH WASHINGTON ST, SUITE 502 ROCHESTER, NY 14614 | EXCELLUS BLUECROSS BLUESHIELD (2) | $18K | — | $18K | 2.88% |
| APFS ROCHESTER INC3 Filed as: APFS ROCHESTER, INC | 350 LINDEN OAKS SUITE 140 ROCHESTER, NY 14625 | CIGNA LIFE INSURANCE COMPANY OF NY | $4K | $3K | $8K | 4.54% |
| APFS ROCHESTER INC3 Filed as: APFS ROCHESTER, INC | 350 LINDEN OAKS SUITE 140 ROCHESTER, NY 14625 | CIGNA LIFE INSURANCE COMPANY OF NY | $5K | $2K | $7K | 7.97% |
| APFS ROCHESTER INC3 Filed as: APFS ROCHESTER, INC | 350 LINDEN OAKS SUITE 140 ROCHESTER, NY 14625 | CIGNA LIFE INSURANCE COMPANY OF NY | $4K | $1K | $5K | 7.50% |
| DAVIS VISION3 | 175 E. HOUSTON STREET, 5TH FLOOR SAN ANTONIO, TX 78205 | HM LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| MARKETING ASSOCIATES & LIMITED COMP3 | P.O. BOX 587 PITTSFORD, NY 14534 | VISION SERVICE PLAN | $688 | — | $688 | 7.85% |
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 | 1,043 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,049 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD (1) | 818 | $8.4M |
| Dental | EXCELLUS BLUECROSS BLUESHIELD (2) | 849 | $615K |
| Vision(3 contracts, 3 carriers) | EXCELLUS BLUECROSS BLUESHIELD (1) | 818 | $8.5M |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NY | 955 | $168K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NY | 701 | $67K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NY | 874 | $82K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD (1) | 818 | $8.4M |
| Other | CIGNA LIFE INSURANCE COMPANY OF NY | 955 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 955 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.