| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC | 260 EAST MAIN STREET ROCHESTER, NY 14604 | AETNA LIFE INSURANCE COMPANY | $95K | $900 | $96K | 6.44% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC | 260 EAST MAIN STREET SUITE 2400 ROCHESTER, NY 14604 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | — | $6K | 8.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | PO BOX 745808 ATLANTA, GA 30374 | FIRST UNUM LIFE INSURANCE COMPANY | $874 | $52 | $926 | 1.21% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC | 260 EAST MAIN STREET SUITE 2400 ROCHESTER, NY 14604 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 8.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | PO BOX 745808 ATLANTA, GA 30374 | FIRST UNUM LIFE INSURANCE COMPANY | $353 | $18 | $371 | 1.06% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC | 260 EAST MAIN STREET SUITE 2400 ROCHESTER, NY 14604 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 13.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | PO BOX 745808 ATLANTA, GA 30374 | FIRST UNUM LIFE INSURANCE COMPANY | $247 | $12 | $259 | 1.43% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC | 260 E MAIN ST STE 2400 ROCHESTER, NY 14604 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $433 | — | $433 | 5.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | PO BOX 745808 ATLANTA, GA 30374 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $19 | $5 | $24 | 0.28% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC | 260 E MAIN ST STE 2400 ROCHESTER, NY 14604 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $430 | — | $430 | 5.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | PO BOX 745808 ATLANTA, GA 30374 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC | 260 EAST MAIN STREET SUITE 2400 ROCHESTER, NY 14604 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $465 | — | $465 | 8.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | PO BOX 745808 ATLANTA, GA 30374 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $43 | — | $43 | 0.78% |
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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 234 | $1.5M |
| Dental | AETNA LIFE INSURANCE COMPANY | 234 | $1.5M |
| Vision | AETNA LIFE INSURANCE COMPANY | 234 | $1.5M |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 163 | $76K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 163 | $76K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 163 | $76K |
| Other(6 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 163 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.