| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HR BENEFIT ADVISORS3 Filed as: HR BENEFIT ADVISORS, LTD | 208 MILL STREET ROCHESTER, NY 14614 | HEALTHNOW NEW YORK, INC. DBA BLUE CROSS BLUE SHIELD OF WESTERN NY | $40K | — | $40K | 2.20% |
| MICHAEL RICHARD COLAO3 Filed as: MICHAEL R. COLAO | 208 MILL STREET SUITE 400 ROCHESTER, NY 14614 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG. INC. | $5K | — | $5K | 2.08% |
| JOSEPH P. IMPARATO3 Filed as: JOSEPH P IMPARATO | 19 MIMOSA CIR PLYMOUTH, MA 02360 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 12.94% |
| JOSEPH PAUL IMPARATO3 | 19 MIMOSA CIR PLYMOUTH, MA 02360 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE GUARDIAN LIFE INSURANCE COMPANY EIN 13-5123390 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | — | $14K |
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 | 205 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTHNOW NEW YORK, INC. DBA BLUE CROSS BLUE SHIELD OF WESTERN NY | 290 | $2.1M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 216 | $163K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 216 | $163K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 216 | $163K |
| Prescription drug(3 contracts, 3 carriers) | HEALTHNOW NEW YORK, INC. DBA BLUE CROSS BLUE SHIELD OF WESTERN NY | 290 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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."
No prospect flags tripped on this filing.