| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MANNING & NAPIER BENEFITS LLC3 | 290 WOODCLIFF DRIVE FAIRPORT, NY 14450 | EXCELLUS BLUE CROSS BLUE SHIELD | $90K | — | $90K | 2.73% |
| LIFETIME BENEFIT SOLUTIONS, INC.3 Filed as: LIFETIME BENEFIT SOLUTIONS | 2457 STATE RT 7 SUITE 1 PO BOX 340 COBLESKILL, NY 12043 | EXCELLUS BLUE CROSS BLUE SHIELD | $10K | — | $10K | 4.33% |
| RICHARD P CURTIS3 | 500 LINDEN OAKS SUITE 301 ROCHESTER, NY 14625 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | — | $8K | 7.34% |
| RICHARD DE ASIS3 Filed as: RICHARD CURTIS | 500 LINDEN OAKS SUITE 301 PITTSFORD, NY 14534 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3K | — | $3K | 5.38% |
| JOHN B INFERRERA3 Filed as: JOHN R. BLEIER JR. | 1000 PITTSFORD VICTOR RD SUITE 108 PITTSFORD, NY 14534 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | — | $1K | 2.34% |
| RICHARD DE ASIS3 Filed as: RICHARD CURTIS | 500 LINDEN OAKS STE 301 PITTSFORD, NY 14526 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 6.42% |
| ENROLLEASE3 Filed as: KAFL INSURANCE | 85 ALLEN ST STE 300 ROCHESTER, NY 14608 | VISION SERVICE PLAN | $924 | — | $924 | 2.17% |
| RICHARD P CURTIS3 Filed as: RICHARD P. CURTIS | 171 SULLYS TRAIL PITTSFORD, NY 14534 | VISION SERVICE PLAN | $804 | — | $804 | 1.89% |
| RICHARD DE ASIS3 Filed as: RICHARD CURTIS | 500 LINDEN OAKS SUITE 301 ROCHESTER, NY 14625 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 8.59% |
| RICHARD DE ASIS3 Filed as: RICHARD CURTIS | 500 LINDEN OAKS SUITE 301 ROCHESTER, NY 14625 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | — | $5K | 15.99% |
| RICHARD DE ASIS3 Filed as: RICHARD CURTIS | 500 LINDEN OAKS SUITE 301 ROCHESTER, NY 14625 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | — | $1K | 5.02% |
| JOHN B INFERRERA3 Filed as: JOHN R. BLEIER JR. | 1000 PITTSFORD VICTOR RD STE 108 PITTSFORD, NY 14534 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $566 | — | $566 | 1.94% |
| RICHARD DE ASIS3 Filed as: RICHARD CURTIS | 500 LINDEN OAKS STE 301 PITTSFORD, NY 14526 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 14.01% |
| RICHARD DE ASIS3 Filed as: RICHARD CURTIS | 500 LINDEN OAKS STE 301 ROCHESTER, NY 14625 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 15.00% |
| JOHN B INFERRERA3 Filed as: JOHN BLEIER | 1000 PITTSFORD VICTOR RD STE 108 PITTSFORD, NY 14534 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $266 | — | $266 | 11.98% |
| RICHARD DE ASIS3 Filed as: RICHARD CURTIS | 500 LINDEN OAKS SUITE 301 ROCHESTER, NY 14625 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.63% |
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 | 556 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 576 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 403 | $3.3M |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 325 | $228K |
| Vision | VISION SERVICE PLAN | 357 | $43K |
| Life insurance(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 560 | $184K |
| Short-term disability(4 contracts, 4 carriers) | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 184 | $108K |
| Long-term disability(3 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 560 | $157K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 403 | $3.3M |
| Other(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 560 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 560 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.