| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 777 CANAL VIEW BLVD SUITE 100 ROCHESTER, NY 14623 | EXCELLUS BLUE CROSS BLUE SHIELD | $49K | — | $49K | 4.10% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVE. P.O. BOX 1040 MERIDEN, CT 06450 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $6K | $23K | 9.34% |
| STEPHEN C PLATNER3 Filed as: STEPHEN C PLANTER | 11 CHESHAM WAY FAIRPORT, NY 14450 | AFLAC | $2K | $105 | $2K | 9.71% |
| BRENDAN MCCARTHY AND CREW INC3 | 39 SAGINAW DR. STE 2 ROCHESTER, NY 14623 | AFLAC | $361 | $21 | $382 | 1.81% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 726 EXCHANGE ST. BUFFALO, NY 14210 | AFLAC | $294 | — | $294 | 1.39% |
| RICHARD DE ASIS3 | 39 HUNTERS RUN PITTSFORD, NY 14534 | AFLAC | $167 | — | $167 | 0.79% |
| DANIEL P DUPRE3 | 4 BEDFORD WAY PITTSFORD, NY 14534 | AFLAC | $155 | — | $155 | 0.73% |
| SHANE STICKLE3 | 675 BAY RD WEBSTER, NY 14580 | AFLAC | $131 | $21 | $152 | 0.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $126 | — | $126 | 0.60% |
| MJ INSURANCE3 Filed as: PETER J BISSETT | 5140 FIVE MILE LINE RD. UNIT 143 PENFIELD, NY 14526 | AFLAC | $70 | — | $70 | 0.33% |
| EDWARD B LEAHY III3 | 85 ALLEN ST STE 210 ROCHESTER, NY 14608 | AFLAC | $63 | — | $63 | 0.30% |
| ELLEN REYNOLDS3 | 11 JAMES ST. FAIRPORT, NY 14450 | AFLAC | $53 | — | $53 | 0.25% |
| LEWIS K GATHRIGHT JR3 Filed as: LEWIS K GATHRIGHT JR. | 276 FAIRPORT VILLAGE LNDG. FAIRPORT, NY 14450 | AFLAC | $39 | — | $39 | 0.18% |
| DEBRA PARKER3 Filed as: DEBRA M PARKER | 20 BOWEN ST AUBURN, NY 13021 | AFLAC | $34 | — | $34 | 0.16% |
| TERESA STRONG3 | P.O. BOX 52 MACEDON, NY 14502 | AFLAC | $34 | — | $34 | 0.16% |
| TIMOTHY HENDERSON3 | 13 WILD LAUREL LN. HILTON HEAD, SC 29926 | AFLAC | $30 | — | $30 | 0.14% |
| STARTING LINE SOLUTIONS INC3 Filed as: STARTING LINE SOLUTIONS INC. | 7 RUSH WEST RUSH RD. RUSH, NY 14543 | AFLAC | $24 | — | $24 | 0.11% |
| BRAD JONES AND ASSOCIATES INC3 Filed as: BRAD JONES AND ASSOCIATES INC. | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $17 | — | $17 | 0.08% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $6 | — | $6 | 0.03% |
| DANIEL C. JUDGE3 Filed as: DANIEL C JUDGE | 58 MANSER DR. AMHERST, NY 14226 | AFLAC | $6 | — | $6 | 0.03% |
| LAURA BOHANNON3 | 23 S MARVINE AVE. AUBURN, NY 13021 | AFLAC | $4 | — | $4 | 0.02% |
| DUCK & COVER NY INC3 Filed as: DUCK & COVER NY INC. | 17 DALAMAR CT. LATHAM, NY 12110 | AFLAC | $3 | — | $3 | 0.01% |
| TED COLUCCI3 | 299 WISCONSIN ST. ROCHESTER, NY 14609 | AFLAC | $1 | — | $1 | 0.00% |
| JEFF DALABA3 | 8500 GILLY FLOWER CT. BALDWINSVILLE, NY 13027 | AFLAC | $1 | — | $1 | 0.00% |
| STEVEN E DALABA3 | 7683 SEDGEWICK RIDGE RD. LEWISVILLE, NC 27023 | AFLAC | $1 | — | $1 | 0.00% |
| JUSTIN VIELE3 | 622 BENNINGTON DR. ROCHESTER, NY 14616 | AFLAC | $1 | — | $1 | 0.00% |
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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 128 | $1.2M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $243K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $243K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $243K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $243K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $243K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 128 | $1.2M |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $264K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.