| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 100 MERIDIAN CENTRE SUITE 100 ROCHESTER, NY 14618 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $155K | — | $155K | 5.00% |
| SMOLA CONSULTING, LLC3 | 1 SOUTH WASHINGTON STREET SUITE 502 ROCHESTER, NY 14614 | EXCELLUS - BLUECROSS BLUESHIELD | $9K | — | $9K | 0.40% |
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 | 17,841 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 249 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 18,090 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS - BLUECROSS BLUESHIELD | 16,593 | $2.3M |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 17,841 | $3.1M |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 17,841 | $3.1M |
| Prescription drug | EXCELLUS - BLUECROSS BLUESHIELD | 16,593 | $2.3M |
| Stop-loss / reinsurancereinsurance | EXCELLUS - BLUECROSS BLUESHIELD | 16,593 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,841 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.