| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| APFS ROCHESTER INC3 Filed as: APFS ROCHESTER INC DBA NOVEM GROUP | 350 LINDEN OAKS SUITE 140 ROCHESTER, NY 14625 | EXCELLUS BLUE CROSS BLUE SHIELD | $10K | — | $10K | 4.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 45 EAST AVE ROCHESTER, NY 14604 | CIGNA LIFE INSURANCE CO OF NEW YORK | $4K | $4K | $9K | 4.62% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 45 EAST AVE ROCHESTER, NY 14604 | CIGNA LIFE INSURANCE CO OF NEW YORK | $4K | $2K | $6K | 6.67% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 45 EAST AVE ROCHESTER, NY 14604 | CIGNA LIFE INSURANCE CO OF NEW YORK | $5K | $2K | $6K | 8.72% |
| APFS ROCHESTER INC3 | 350 LINDEN OAKS STE 140 ROCHESTER, NY 146252807 | VISION SERVICE PLAN | $2K | — | $2K | 3.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 45 EAST AVE ROCHESTER, NY 14604 | CIGNA LIFE INSURANCE CO OF NEW YORK | $1K | $237 | $1K | 14.00% |
| ENROLLEASE3 Filed as: KAFL INSURANCE RESOURCES | 800 LINDEN AVENUE ROCHESTER, NY 14625 | CIGNA LIFE INSURANCE CO OF NEW YORK | $19 | $9 | $28 | 15.05% |
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 | 585 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 589 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 350 | $240K |
| Vision | VISION SERVICE PLAN | 338 | $48K |
| Life insurance | CIGNA LIFE INSURANCE CO OF NEW YORK | 740 | $187K |
| Short-term disability(2 contracts) | CIGNA LIFE INSURANCE CO OF NEW YORK | 180 | $86K |
| Long-term disability | CIGNA LIFE INSURANCE CO OF NEW YORK | 582 | $73K |
| Other | CIGNA LIFE INSURANCE CO OF NEW YORK | 585 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 740 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.