| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | SYMETRA LIFE INSURANCE COMPANY | $27K | $5K | $31K | 16.98% |
| USI INSURANCE SERVICES LLC3 | 777 CANAL VIEW BOULEVARD, SUITE 100 ROCHESTER, NY 14623 | EXCELLUS BLUE CROSS BLUE SHIELD | $7K | $0 | $7K | 7.01% |
| STEPHEN C PLATNER3 | 11 CHESHAM WAY FAIRPORT, NY 14450 | AFLAC | $990 | $0 | $990 | 5.40% |
| SHANE STICKLE3 Filed as: SHANE STICKLE AND OTHER AGENTS | 6787 VAIL DRIVE HAMBURG, NY 14075 | AFLAC | $431 | $0 | $431 | 2.35% |
| USI INSURANCE SERVICES LLC3 | 726 EXCHANGE STREET BUFFALO, NY 14210 | AFLAC | $224 | $0 | $224 | 1.22% |
| BRENDAN MCCARTHY AND CREW INC3 | 39 SAGINAW DRIVE, SUITE 2 ROCHESTER, NY 14623 | AFLAC | $221 | $0 | $221 | 1.20% |
| CHARLES MORALES3 | 39 SAGINAW DRIVE ROCHESTER, NY 14623 | AFLAC | $140 | $0 | $140 | 0.76% |
| DANIEL P DUPRE3 | 4 BEDFORD WAY PITTSFORD, NY 14534 | AFLAC | $133 | $0 | $133 | 0.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $122 | $0 | $122 | 0.67% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $810 | — | $810 | 6.37% |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 126 | $105K |
| Vision | VISION SERVICE PLAN | 99 | $13K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 170 | $185K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 170 | $185K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 170 | $185K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 170 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.