| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SMOLA CONSULTING, LLC3 | 1 SOUTH WASHINGTON STREET SUITE 520 ROCHESTER, NY 14614 | EXCELLUS BLUE CROSS BLUE SHIELD | $150K | — | $150K | 1.74% |
| SMOLA CONSULTING, LLC3 | 1 SOUTH WASHINGTON STREET SUITE 520 RO, NY 14614 | EXCELLUS BLUE CROSS BLUE SHIELD | $23K | — | $23K | 3.62% |
| AMERICAN PORTFOLIOS FINAN7 Filed as: AMERICAN PORTFOLIOS FIN | 350 LINDEN OAKS STE 140 ROCHESTER, NY 14625 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $4K | $0 | $4K | 1.87% |
| SMOLA CONSULTING, LLC3 | 1 SOUTH WASHINGTON STREET SUITE 520 ROCHESTER, NY 14614 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $547 | $0 | $547 | 0.25% |
| AMERICAN PORTFOLIOS FINAN7 | 350 LINDEN OAKS STE 140 ROCHESTER, NY 14625 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $4K | $0 | $4K | 1.93% |
| SMOLA CONSULTING, LLC3 | 1 SOUTH WASHINGTON STREET SUITE 520 ROCHESTER, NY 14614 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $455 | $0 | $455 | 0.22% |
| AMERICAN PORTFOLIOS FINAN7 | 350 LINDEN OAKS STE 140 ROCHESTER, NY 14625 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $5K | $0 | $5K | 3.18% |
| SMOLA CONSULTING, LLC3 | 1 SOUTH WASHINGTON STREET SUITE 520 ROCHESTER, NY 14614 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $701 | $0 | $701 | 0.46% |
| SMOLA CONSULTING, LLC3 | 1 SOUTH WASHINGTON STREET SUITE 520 ROCHESTER, NY 14614 | HM LIFE INSURANCE COMPANY | $7K | $0 | $7K | 10.00% |
| SMOLA CONSULTING, LLC3 | 1 SOUTH WASHINGTON STREET SUITE 520 ROCHESTER, NY 14614 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.66% |
| MANDT INSURANCE AGENCY INC3 | 285 DELEWARE AVENUE STE 4000 BUFFALO, NY 14202 | FEDERAL INSURANCE COMPANY | $225 | $0 | $225 | 15.00% |
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 | 1,214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 785 | $8.6M |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 910 | $637K |
| Vision(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 324 | $101K |
| Life insurance(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 1,214 | $292K |
| Short-term disability(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 1,019 | $257K |
| Long-term disability(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 1,214 | $208K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 785 | $8.6M |
| Other(3 contracts, 3 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 1,214 | $293K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,214 | — |
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.