| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICE LLC | 777 CANAL VIEW BOULEVARD SUITE 100 ROCHESTER, NY 14623 | EXCELLUS BLUE CROSS BLUE SHIELD | $51K | $0 | $51K | 4.10% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICE LLC | 530 PRESTON STREET, 3RD FLOOR PO BOX 1040 MERIDEN, CT 06450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $13K | $32K | 12.36% |
| STEPHEN C PLATNER3 Filed as: STEPHEN C. PLATNER | 11 CHESHAM WAY FAIRPORT, NY 14450 | AFLAC | $2K | $52 | $2K | 7.74% |
| MJ INSURANCE3 Filed as: PETER BISSETT AND VARIOUS AGENTS | 5140 FIVE MILE LINE ROAD SUITE 143 PENFIELD, NY 14526 | AFLAC | $481 | $12 | $493 | 2.12% |
| BRENDAN MCCARTHY AND CREW INC3 | 39 SAGINAW DRIVE, SUITE 2 ROCHESTER, NY 14623 | AFLAC | $325 | $12 | $337 | 1.45% |
| USI INSURANCE SERVICES LLC3 | 726 EXCHANGE STREET BUFFALO, NY 14210 | AFLAC | $249 | $0 | $249 | 1.07% |
| DANIEL P DUPRE3 Filed as: DANIEL P. DUPRE | 4 BEDFORD WAY PITTSFORD, NY 14534 | AFLAC | $149 | $0 | $149 | 0.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $126 | $0 | $126 | 0.54% |
| RICHARD DE ASIS3 | 39 HUNTERS RUN PITTSFORD, NY 14534 | AFLAC | $125 | $0 | $125 | 0.54% |
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 | 191 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 125 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 191 | $258K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 191 | $258K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 191 | $258K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 191 | $258K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 191 | $258K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 125 | $1.3M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 191 | $281K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.