| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MANNING & NAPIER BENEFITS LLC3 | 290 WOODCLIFF DRIVE FAIRPORT, NY 14450 | EXCELLUS BLUE CROSS BLUE SHIELD | $101K | — | $101K | 2.59% |
| ENROLLEASE3 Filed as: KAFL INC | 85 ALLEN ST STE 300 ROCHESTER, NY 14608 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 1.81% |
| ENROLLEASE3 Filed as: KAFL INC. | 85 ALLEN STREET STE 300 ROCHESTER, NY 14608 | FIRST UNUM LIFE INSURANCE COMPANY | $10K | $965 | $11K | 6.87% |
| RICHARD P CURTIS3 | 500 LINDEN OAKS SUITE 301 ROCHESTER, NY 14625 | FIRST UNUM LIFE INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| RICHARD DE ASIS3 Filed as: RICHARD CURTIS | 500 LINDEN OAKS SUITE 301 PITTSFORD, NY 14534 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3K | $519 | $3K | 5.38% |
| JOHN B INFERRERA3 Filed as: JOHN R. BLEIER JR. | 179 SULLYS TRAIL SUITE 302 PITTSFORD, NY 14534 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | — | $1K | 1.75% |
| ENROLLEASE3 Filed as: KAFL INC | 85 ALLEN ST STE 300 ROCHESTER, NY 14608 | FIRST UNUM LIFE INSURANCE COMPANY | $10K | $7 | $10K | 15.01% |
| ENROLLEASE3 Filed as: KAFL INC. | 85 ALLEN STREET STE 300 ROCHESTER, NY 14608 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | $359 | $9K | 15.66% |
| RICHARD DE ASIS3 Filed as: RICHARD CURTIS | 500 LINDEN OAKS SUITE 301 ROCHESTER, NY 14625 | FIRST UNUM LIFE INSURANCE COMPANY | -$8 | — | -$8 | -0.01% |
| ENROLLEASE3 Filed as: KAFL INC. | 85 ALLEN STREET STE 300 ROCHESTER, NY 14608 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $343 | $4K | 7.46% |
| RICHARD P CURTIS3 Filed as: RICHARD P. CURTIS | 500 LINDEN OAKS SUITE 301 ROCHESTER, NY 14625 | FIRST UNUM LIFE INSURANCE COMPANY | -$8 | — | -$8 | -0.02% |
| ENROLLEASE3 Filed as: KAFL INSURANCE | 85 ALLEN ST STE 300 ROCHESTER, NY 14608 | VISION SERVICE PLAN | $2K | — | $2K | 3.92% |
| RICHARD DE ASIS3 Filed as: RICHARD CURTIS | 500 LINDEN OAKS SUITE 301 ROCHESTER, NY 14625 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | $441 | $2K | 6.51% |
| JOHN B INFERRERA3 Filed as: JOHN R. BLEIER JR. | 1000 PITTSFORD VICTOR RD STE 108 PITTSFORD, NY 14534 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $928 | — | $928 | 2.59% |
| ENROLLEASE3 Filed as: KAFL INC | 85 ALLEN STREET STE 300 ROCHESTER, NY 14608 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $357 | $4K | 14.03% |
| JOHN B INFERRERA3 Filed as: JOHN BLEIER | 179 SULLYS TRAIL SUITE 302 PITTSFORD, NY 14534 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $109 | — | $109 | 3.76% |
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 | 554 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 561 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 423 | $3.9M |
| Dental | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 337 | $199K |
| Vision | VISION SERVICE PLAN | 348 | $44K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 566 | $210K |
| Short-term disability(4 contracts, 3 carriers) | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 572 | $148K |
| Long-term disability(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 566 | $254K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 423 | $3.9M |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 566 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.