| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MANNING & NAPIER BENEFITS LLC3 | 290 WOODCLIFF DRIVE FAIRPORT, NY 14450 | EXCELLUS BLUECROSS BLUESHIELD | $26K | — | $26K | 2.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | EXCELLUS BLUECROSS BLUESHIELD | $18K | — | $18K | 1.75% |
| MANNING & NAPIER BENEFITS LLC3 | 290 WOODCLIFF DRIVE FAIRPORT, NY 14450 | EXCELLUS BLUECROSS BLUESHIELD | $5K | — | $5K | 5.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | EXCELLUS BLUECROSS BLUESHIELD | $1K | — | $1K | 1.82% |
| MANNING & NAPIER BENEFITS LLC3 | 290 WOODCLIFF DRIVE FAIRPORT, NY 14450 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 9.67% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVENUE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $880 | — | $880 | 4.60% |
| MANNING & NAPIER BENEFITS LLC3 | 290 WOODCLIFF DR FAIRPORT, NY 14450 | VISION SERVICE PLAN | $565 | — | $565 | 4.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INC | 45 EAST AVE ROCHESTER, NY 14604 | VISION SERVICE PLAN | $235 | — | $235 | 1.88% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 132 | $1.1M |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 130 | $81K |
| Vision | VISION SERVICE PLAN | 95 | $12K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 171 | $30K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 23 | $10K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 171 | $19K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 132 | $1.1M |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 171 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.