| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC | 1 SOUTH WASHINGTON ST. SUITE 502 ROCHESTER, NY 14614 | EXCELLUS BLUECROSS BLUESHIELD | $30K | — | $30K | 2.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 100 MERIDIAN CENTER SUITE 100 ROCHESTER, NY 14618 | EXCELLUS BLUECROSS BLUESHIELD | $16K | — | $16K | 1.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 100 MERIDIAN CENTER SUITE 100 ROCHESTER, NY 14618 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $9K | $12K | 6.76% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC | 1 S WASHINGTON ST SUITE 520 ROCHESTER, NY 14614 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.48% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC | 1 S WASHINGTON ST SUITE 520 ROCHESTER, NY 14614 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 7.49% |
| PROVIDIUM CONSULTING GROUP3 | 100 MERIDIAN CENTER SUITE 100 ROCHESTER, NY 14618 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.51% |
| SMOLA CONSULTING, LLC3 Filed as: SMOLA CONSULTING LLC | 1 WASHINGTON ST SUITE 520 ROCHESTER, NY 14614 | MUTUAL OF OMAHA INSURANCE COMPANY | $5K | — | $5K | 13.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | NEW YORK 2 PIERCE PLACE FL 14 ITASCA, IL 60143 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | — | $2K | 6.70% |
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 | 245 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 156 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 193 | $177K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 193 | $177K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 245 | $52K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 156 | $34K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 245 | $52K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 156 | $1.1M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 245 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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.