| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SMOLA CONSULTING, LLC3 | 1 SOUTH WASHINGTON STREET SUITE 520 ROCHESTER, NY 14614 | EXCELLUS BLUECROSS BLUESHIELD | $150K | — | $150K | 1.69% |
| SMOLA CONSULTING, LLC3 | 1 SOUTH WASHINGTON STREET SUITE 520 ROCHESTER, NY 14614 | EXCELLUS BLUECROSS BLUESHIELD | $20K | — | $20K | 2.89% |
| AMERICAN PORTFOLIOS FINAN3 Filed as: AMERICAN PORTFOLIOS FINANCIAL SERVI | 350 LINDEN OAKS STE 140 ROCHESTER, NY 14625 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $5K | — | $5K | 2.22% |
| AMERICAN PORTFOLIOS FINAN3 Filed as: AMERICAN PORTFOLIOS FINANCIAL SERVI | 350 LINDEN OAKS STE 140 ROCHESTER, NY 14625 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $5K | — | $5K | 4.60% |
| AMERICAN PORTFOLIOS FINAN3 Filed as: AMERICAN PORTFOLIOS FINANCIAL SERVI | 350 LINDEN OAKS STE 140 ROCHESTER, NY 14625 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 4.30% |
| DAVIS VISION3 | 175 E. HOUSTON STREET 5TH FLOOR SAN ANTONIO, TX 78205 | HM LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| MARKETING ASSOCIATES & LIMITED COMP3 | PO BOX 587 15 SCHOEN PLACE, 1ST FI EAST PITTSFORD, NY 14534 | VISION SERVICE PLAN | $1K | — | $1K | 4.62% |
| MANDT INSURANCE AGENCY INC3 | 285 DELAWARE AVENUE STE 4000 BUFFALO, NY 14202 | FEDERAL INSURANCE COMPANY | $225 | $18 | $243 | 16.20% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK INC | PITTSFORD VILLAGE GREEN 71-A MONROE AVENUE PITTSFORD, NY 14534 | SHELTERPOINT LIFE INSURANCE COMPANY | $36 | — | $36 | 20.45% |
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 | 1,156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 799 | $8.9M |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 906 | $680K |
| Vision(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 251 | $82K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 1,012 | $204K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 828 | $89K |
| Long-term disability(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 1,012 | $111K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 799 | $8.9M |
| Other(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 1,012 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,012 | — |
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.