| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MANNING & NAPIER BENEFITS LLC3 | 290 WOODCLIFF DRIVE FAIRPORT, NY 14450 | EXCELLUS BLUE CROSS BLUE SHIELD | $69K | — | $69K | 1.59% |
| APFS ROCHESTER INC Filed as: APFS ROCHESTER, INC | 350 LINDEN OAKS SUITE 140 ROCHESTER, NY 14625 | EXCELLUS BLUE CROSS BLUE SHIELD | $38K | — | $38K | 0.89% |
| ENROLLEASE3 Filed as: KAFL, INC | 800 LINDEN AVE ROCHESTER, NY 14625 | EXCELLUS BLUECROSS BLUESHIELD | $8K | — | $8K | 3.56% |
| APFS ROCHESTER INC3 Filed as: APFS ROCHESTER, INC | 350 LINDEN OAKS SUITE 140 ROCHESTER, NY 14625 | EXCELLUS BLUECROSS BLUESHIELD | $2K | — | $2K | 0.67% |
| ENROLLEASE3 Filed as: KAFL INC. | 800 LINDEN AVE ROCHESTER, NY 14625 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | $941 | $9K | 5.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 45 EAST AVE ROCHESTER, NY 14604 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $339 | $1K | 0.82% |
| ENROLLEASE3 Filed as: KAFL INC | 800 LINDEN AVE ROCHESTER, NY 14625 | FIRST UNUM LIFE INSURANCE COMPANY | $7K | — | $7K | 12.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 45 EAST AVE ROCHESTER, NY 14604 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 2.86% |
| ENROLLEASE3 Filed as: KAFL INC. | 800 LINDEN AVE ROCHESTER, NY 14625 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $295 | $6K | 11.69% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC | 45 EAST AVE ROCHESTER, NY 14604 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $66 | $1K | 2.62% |
| ENROLLEASE3 Filed as: KAFL INC. | 800 LINDEN AVE ROCHESTER, NY 14625 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $270 | $3K | 6.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC | 45 EAST AVE ROCHESTER, NY 14604 | FIRST UNUM LIFE INSURANCE COMPANY | $627 | $90 | $717 | 1.50% |
| ENROLLEASE3 Filed as: KAFL INSURANCE | 800 LINDEN AVE ROCHESTER, NY 14625 | VISION SERVICE PLAN | $1K | — | $1K | 3.19% |
| APFS ROCHESTER INC3 Filed as: APFS ROCHESTER, INC | 350 LINDEN OAKS STE 140 ROCHESTER, NY 14625 | VISION SERVICE PLAN | $92 | — | $92 | 0.21% |
| ENROLLEASE3 Filed as: KAFL INC | 800 LINDEN AVE ROCHESTER, NY 14625 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 19.17% |
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 | 598 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 605 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 403 | $4.3M |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 343 | $239K |
| Vision | VISION SERVICE PLAN | 344 | $43K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 598 | $224K |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 178 | $63K |
| Long-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 598 | $229K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 403 | $4.3M |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 598 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 598 | — |
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.