| 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 | 1.71% |
| SMOLA CONSULTING, LLC3 | 1 SOUTH WASHINGTON ST, SUITE 502 ROCHESTER, NY 14614 | EXCELLUS BLUECROSS BLUESHIELD (2) | $18K | — | $18K | 2.82% |
| APFS ROCHESTER INC3 Filed as: APFS ROCHESTER, INC | 350 LINDEN OAKS, STE 140 ROCHESTER, NY 14625 | CIGNA LIFE INSURANCE COMPANY OF NY | $4K | — | $4K | 2.29% |
| APFS ROCHESTER INC3 Filed as: APFS ROCHESTER, INC | 350 LINDEN OAKS, STE 140 ROCHESTER, NY 14625 | CIGNA LIFE INSURANCE COMPANY OF NY | $5K | — | $5K | 4.80% |
| APFS ROCHESTER INC3 Filed as: APFS ROCHESTER, INC | 350 LINDEN OAKS, STE 140 ROCHESTER, NY 14625 | CIGNA LIFE INSURANCE COMPANY OF NY | $4K | — | $4K | 4.55% |
| DAVIS VISION3 | 175 E. HOUSTON STREET, 5TH FLOOR SAN ANTONIO, TX 78205 | HM LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| MARKETING ASSOCIATES & LIMITED COMP3 | PO BOX 587 PITTSFORD, NY 14534 | VISION SERVICE PLAN | $1K | — | $1K | 5.63% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY INC | 285 DELAWARE AVE, STE 4000 BUFFALO, NY 14202 | FEDERAL INSURANCE COMPANY | $225 | — | $225 | 15.00% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK INC | PITTSFORD VILLAGE GREEN, 71-A PITTSFORD, NY 14534 | SHELTERPOINT LIFE INSURANCE CO | $123 | — | $123 | 69.89% |
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 | 1,143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD (1) | 853 | $8.8M |
| Dental | EXCELLUS BLUECROSS BLUESHIELD (2) | 922 | $641K |
| Vision(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 357 | $57K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NY | 937 | $195K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NY | 766 | $83K |
| Long-term disability(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NY | 937 | $106K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD (1) | 853 | $8.8M |
| Other(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NY | 937 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 937 | — |
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.