| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 777 CANAL VIEW BOULEVARD, SUITE 100 ROCHESTER, NY 14623 | EXCELLUS BLUE CROSS BLUE SHIELD | $65K | $0 | $65K | 4.19% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVENUE PO BOX 1040 MERIDEN, CT 06450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $6K | $19K | 11.03% |
| STEPHEN C PLATNER3 Filed as: STEPHEN C. PLATNER | 11 CHESHAM WAY FAIRPORT, NY 14450 | AFLAC | $1K | $27 | $1K | 5.94% |
| EDWARD B LEAHY III3 Filed as: EDWARD B LEAHY III AND OTHER AGENTS | 85 ALLEN STREET, SUITE 210 ROCHESTER, NY 14608 | AFLAC | $376 | $6 | $382 | 1.86% |
| BRENDAN MCCARTHY AND CREW INC3 | 39 SAGINAW DRIVE, SUITE 2 ROCHESTER, NY 14623 | AFLAC | $252 | $6 | $258 | 1.25% |
| DANIEL P DUPRE3 Filed as: DANIEL P. DUPRE | 4 BEDFORD WAY PITTSFORD, NY 14534 | AFLAC | $149 | $0 | $149 | 0.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $126 | $0 | $126 | 0.61% |
| USI INSURANCE SERVICES LLC3 | 726 EXCHANGE STREET BUFFALO, NY 14210 | AFLAC | $108 | $0 | $108 | 0.52% |
| RICHARD DE ASIS3 | 39 HUNTERS RUN PITTSFORD, NY 14534 | AFLAC | $89 | $0 | $89 | 0.43% |
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 | 202 | 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) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 139 | $1.6M |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 139 | $1.6M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 202 | $174K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 202 | $174K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 202 | $174K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 202 | $174K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 139 | $1.6M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 202 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.