| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SMOLA CONSULTING, LLC3 | 260 EAST MAIN STREET, SUITE 2400 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $42K | — | $42K | 1.94% |
| USI INSURANCE SERVICES LLC3 | 777 CANAL VIEW BLVD STE 100 ROCHESTER, NY 14623 | EXCELLUS BLUE CROSS BLUE SHIELD | $33K | — | $33K | 1.51% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | EXCELLUS BLUE CROSS BLUE SHIELD | $8K | — | $8K | 6.42% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVENUE ROCHESTER, NY 14604 | COMPANION LIFE INSURANCE COMPANY | $3K | $817 | $4K | 12.29% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVENUE ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $666 | $3K | 12.48% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS | 1719 ROUTE 10, SUITE 106 PARSIPPANY, NJ 07054 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $197 | $3K | 11.91% |
| ALLIANCE FINANCIAL NETWORK3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $90 | — | $90 | 0.42% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES INC | 45 EAST AVE ROCHESTER, NY 14604 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $859 | $2K | 14.17% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES INC | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $101 | $101 | 0.59% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVENUE ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $512 | $2K | 13.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN, INC. | 45 EAST AVE ROCHESTER, NY 14604 | VISION SERVICE PLAN | $1K | — | $1K | 9.99% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN OF NEW YORK INC | 45 EAST AVE ROCHESTER, NY 14604 | COMPANION LIFE INSURANCE COMPANY | $1K | $311 | $2K | 12.34% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVENUE ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $471 | $121 | $592 | 12.57% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN OF NEW YORK INC | 45 EAST AVE ROCHESTER, NY 14604 | MUTUAL OF OMAHA INSURANCE COMPANY | $266 | $47 | $313 | 11.76% |
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 | 221 | 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) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 133 | $2.2M |
| Dental(2 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 126 | $136K |
| Vision | VISION SERVICE PLAN | 122 | $14K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 221 | $37K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 69 | $17K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 64 | $27K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 133 | $2.2M |
| Other(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 221 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.