| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAVORO GROUP CORP3 | — | DELTA DENTAL OF NEW YORK | $28K | — | $28K | 2.00% |
| LAVORO GROUP CORP3 Filed as: LAVORO GROUP | 225 TECH PARK DRIVE ROCHESTER, NY 14623 | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | $43K | — | $43K | 4.00% |
| LAVORO GROUP CORP3 Filed as: LAVORO GROUP | 225 TECH PARK DRIVE ROCHESTER, NY 14623 | RELIANCE STANDARD | $27K | — | $27K | 3.21% |
| LAVORO GROUP CORP3 Filed as: LAVORO GROUP | 225 TECH PARK DRIVE PO BOX 62689 ROCHESTER, NY 14623 | RELIANCE STANDARD | $13K | — | $13K | 2.00% |
| USI INSURANCE SERVICES LLC3 | 335 CLUBHOUSE RD HUNT VALLEY, MD 21031 | AETNA LIFE INSURANCE COMPANY | $21K | — | $21K | 4.72% |
| THE BOON INSURANCE AGENCY3 | 6300 BRIDGEPOINT PARKWAY AUSTIN, TX 78730 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 0.65% |
| LAVORO GROUP CORP3 | 225 TECH PARK DRIVE ROCHESTER, NY 14623 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 0.39% |
| LAVORO GROUP CORP3 Filed as: LAVORO GROUP | 225 TECH PARK DRIVE ROCHESTER, NY 14623 | RELIANCE STANDARD | $10K | — | $10K | 3.00% |
| LAVORO GROUP CORP3 | 225 TECH PARK DR ROCHESTER, NY 146232444 | VISION SERVICE PLAN | $5K | — | $5K | 1.91% |
| LAVORO GROUP CORP3 Filed as: LAVORO GROUP | 225 TECH PARK DRIVE ROCHESTER, NY 14623 | RELIANCE STANDARD | $5K | — | $5K | 2.63% |
| LAVORO GROUP CORP3 Filed as: LAVORO GROUP | 225 TECH PARK DRIVE ROCHESTER, NY 14623 | RELIANCE STANDARD | $38K | — | $38K | 20.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCS. NATIONAL, INC. | 201 MISSION STREET 11TH FLOOR SAN FRANCISCO, CA 94105 | EMPLOYEE SERVICES, INC. | $6K | — | $6K | 4.58% |
| LAVORO GROUP CORP3 Filed as: LAVORO GROUP | 225 TECH PARK DRIVE ROCHESTER, NY 14623 | RELIANCE STANDARD | $21K | — | $21K | 20.00% |
| LAVORO GROUP CORP3 Filed as: LAVORO GROUP | 225 TECH PARK DRIVE ROCHESTER, NY 14623 | RELIANCE STANDARD | $15K | — | $15K | 15.00% |
| LAVORO GROUP CORP3 Filed as: LAVORO GROUP | 225 TECH PARK DRIVE ROCHESTER, NY 14623 | RELIANCE STANDARD | $8K | — | $8K | 15.00% |
| THE BOON INSURANCE AGENCY3 | 6300 BRIDGEPOINT PARKWAY AUSTIN, TX 78730 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 6.62% |
| USI INSURANCE SERVICES LLC3 | 335 CLUBHOUSE RD HUNT VALLEY, MD 21031 | TRANSAMERICA LIFE INSURANCE COMPANY | $484 | — | $484 | 3.12% |
| LAVORO GROUP CORP3 | 225 TECH PARK DRIVE ROCHESTER, NY 14623 | TRANSAMERICA LIFE INSURANCE COMPANY | $40 | — | $40 | 0.26% |
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 | 3,297 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 65 | $454K |
| Dental | DELTA DENTAL OF NEW YORK | 3,805 | $1.4M |
| Vision | VISION SERVICE PLAN | 2,057 | $244K |
| Life insurance | RELIANCE STANDARD | 3,297 | $660K |
| Short-term disability(2 contracts) | RELIANCE STANDARD | 2,825 | $1.0M |
| Long-term disability | RELIANCE STANDARD | 1,137 | $332K |
| Other(7 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | 5,132 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,132 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.