| 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 | 1.76% |
| SMOLA CONSULTING, LLC3 | 1 SOUTH WASHINGTON STREET SUITE 520 ROCHESTER, NY 14614 | EXCELLUS BLUE CROSS BLUE SHIELD | $18K | — | $18K | 2.75% |
| SMOLA CONSULTING, LLC3 | 1 SOUTH WASHINGTON STREET SUITE 520 ROCHESTER, NY 14614 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $5K | — | $5K | 2.83% |
| SMOLA CONSULTING, LLC3 | 1 SOUTH WASHINGTON STREET SUITE 520 ROCHESTER, NY 14614 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $1K | — | $1K | 0.99% |
| SMOLA CONSULTING, LLC3 | 1 SOUTH WASHINGTON STREET SUITE 520 ROCHESTER, NY 14614 | THE HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 4.41% |
| SMOLA CONSULTING, LLC3 | 1 SOUTH WASHINGTON STREET SUITE 520 ROCHESTER, NY 14614 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $1K | — | $1K | 1.41% |
| SMOLA CONSULTING, LLC3 | 1 SOUTH WASHINGTON STREET SUITE 520 ROCHESTER, NY 14614 | THE HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 5.24% |
| SMOLA CONSULTING, LLC3 | 1 SOUTH WASHINGTON STREET SUITE 520 ROCHESTER, NY 14614 | HM LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| SMOLA CONSULTING, LLC3 | 1 SOUTH WASHINGTON STREET SUITE 520 ROCHESTER, NY 14614 | VISION SERVICE PLAN | $3K | — | $3K | 6.75% |
| SMOLA CONSULTING, LLC3 | 1 SOUTH WASHINGTON STREET SUITE 520 ROCHESTER, NY 14614 | THE HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 7.29% |
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 | 1,236 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 829 | $8.5M |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 939 | $643K |
| Vision(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 371 | $125K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 1,572 | $242K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 947 | $141K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 1,572 | $237K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 829 | $8.5M |
| Other(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 1,572 | $242K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,572 | — |
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.