| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAVORO GROUP CORP3 | — | DELTA DENTAL OF NEW YORK | $29K | — | $29K | 2.00% |
| LAVORO GROUP CORP3 Filed as: LAVORO GROUP | 225 TECH PARK DRIVE ROCHESTER, NY 14623 | RELIANCE STANDARD | $34K | — | $34K | 3.09% |
| LAVORO GROUP CORP3 Filed as: LAVORO GROUP | 225 TECH PARK DRIVE ROCHESTER, NY 14623 | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | $52K | — | $52K | 5.00% |
| LAVORO GROUP CORP3 Filed as: LAVORO GROUP | 225 TECH PARK DRIVE PO BOX 62689 ROCHESTER, NY 14623 | RELIANCE STANDARD | $17K | — | $17K | 2.00% |
| LAVORO GROUP CORP3 Filed as: LAVORO GROUP | 225 TECH PARK DRIVE ROCHESTER, NY 14623 | RELIANCE STANDARD | $12K | — | $12K | 3.00% |
| LAVORO GROUP CORP3 | 225 TECH PARK DR ROCHESTER, NY 146232444 | VISION SERVICE PLAN | $5K | — | $5K | 1.90% |
| LAVORO GROUP CORP3 Filed as: LAVORO GROUP | 225 TECH PARK DRIVE ROCHESTER, NY 14623 | RELIANCE STANDARD | $49K | — | $49K | 20.00% |
| LAVORO GROUP CORP3 Filed as: LAVORO GROUP | 225 TECH PARK DRIVE ROCHESTER, NY 14623 | RELIANCE STANDARD | $6K | — | $6K | 2.34% |
| LAVORO GROUP CORP3 Filed as: LAVORO GROUP | 225 TECH PARK DRIVE ROCHESTER, NY 14623 | RELIANCE STANDARD | $22K | — | $22K | 15.00% |
| LAVORO GROUP CORP3 Filed as: LAVORO GROUP | 225 TECH PARK DRIVE ROCHESTER, NY 14623 | RELIANCE STANDARD | $25K | — | $25K | 20.00% |
| LAVORO GROUP CORP3 | 225 TECH PARK DRIVE ROCHESTER, NY 14623 | AETNA LIFE INSURANCE COMPANY | $6K | — | $6K | 6.80% |
| LAVORO GROUP CORP3 Filed as: LAVORO GROUP | 225 TECH PARK DRIVE ROCHESTER, NY 14623 | RELIANCE STANDARD | $11K | — | $11K | 15.00% |
| THE BOON INSURANCE AGENCY3 | 6300 BRIDGEPOINT PARKWAY AUSTIN, TX 78730 | TRANSAMERICA LIFE INSURANCE COMPANY | $645 | — | $645 | 6.56% |
| LAVORO GROUP CORP3 | 225 TECH PARK DRIVE ROCHESTER, NY 14623 | TRANSAMERICA LIFE INSURANCE COMPANY | $338 | — | $338 | 3.44% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCS. NATIONAL, INC. | PO BOX 62689 VIRGINIA BEACH, VA 23466 | FIRST UNUM LIFE INSURANCE COMPANY | $173 | — | $173 | 15.08% |
| USI INSURANCE SERVICES LLC3 | 8050 N. UNIVERSITY DRIVE STE 205 TAMARAC, FL 33321 | FIRST UNUM LIFE INSURANCE COMPANY | $20 | — | $20 | 1.74% |
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 | 4,160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 101 | $104K |
| Dental | DELTA DENTAL OF NEW YORK | 3,785 | $1.4M |
| Vision | VISION SERVICE PLAN | 1,968 | $252K |
| Life insurance | RELIANCE STANDARD | 4,160 | $833K |
| Short-term disability(2 contracts) | RELIANCE STANDARD | 3,864 | $1.3M |
| Long-term disability | RELIANCE STANDARD | 1,171 | $410K |
| Other(8 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | 5,557 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,557 | — |
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."
No prospect flags tripped on this filing.