| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAVORO GROUP CORP3 Filed as: LAVORO GROUP | 225 TECH PARK DRIVE ROCHESTER, NY 14623 | EXCELLUS BLUE CROSS BLUE SHIELD | $29K | — | $29K | 4.31% |
| LAVORO GROUP CORP3 Filed as: LAVORO GROUP | 225 TECH PARK DRIVE ROCHESTER, NY 14623 | EXCELLUS BLUE CROSS BLUE SHIELD | $9K | — | $9K | 4.87% |
| LAVORO GROUP CORP3 | 225 TECH PARK DRIVE ROCHESTER, NY 14623 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 100.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCELLUS BLUE CROSS BLUE SHEILD EIN 15-0329043 NONE | Claims processing Service code 12 | 554 COLFAX ST ROCHESTER, NY 14606 | $4K |
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 | 103 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | EXCELLUS BLUE CROSS BLUE SHIELD | 47 | $871K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 103 | $7K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 103 | $7K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 103 | $7K |
| Prescription drug(2 contracts) | EXCELLUS BLUE CROSS BLUE SHIELD | 47 | $871K |
| Other | HARTFORD LIFE AND ACCIDENT | 103 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 103 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.