| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 4000 MIDLANTIC AVENUE MT LAUREL, NJ 08054 | AETNA LIFE INSURANCE CO. | $72K | — | $72K | 3.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 4000 MIDLANTIC AVENUE MT LAUREL, NJ 08054 | AETNA LIFE INSURANCE CO. | — | $13K | $13K | 0.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 4000 MIDLANTIC AVENUE MT LAUREL, NJ 08054 | AETNA LIFE INSURANCE CO. | — | $1K | $1K | 0.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER & ASSOCIATES INSURANCE | 662 GOFFLE RD HAWTHORNE, NJ 07506 | AETNA LIFE INSURANCE CO. | — | $1K | $1K | 0.05% |
| AON CONSULTING INC3 | 30 WATERSIDE DR PO BOX 527 FARMINGTON, CT 06034 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 4.88% |
| AON CONSULTING INC3 | 30 WATERSIDE DR FARMINGTON, CT 06034 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 1.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAHO, IL 60694 | HARTFORD LIFE AND ACCIDENT | — | $548 | $548 | 1.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 100 MERIDIAN CENTER, STE 100 ROCHESTER, NY 14618 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 13.05% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES | 100 MERIDIAN CENTER, STE 100 ROCHESTER, NY 14618 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $4K | — | $4K | 21.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $392 | — | $392 | 2.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 100 MERIDIAN CENTER, STE 100 ROCHESTER, NY 14618 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $269 | $269 | 1.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $2K | — | $2K | 15.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 OLD RD, 5TH FL ROLLING MEADOWS, IL 60008 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | — | $262 | $262 | 2.08% |
| AON CONSULTING INC3 | 30 WATERSIDE DR FARMINGTON, CT 06032 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NY | $227 | — | $227 | 4.21% |
| EUGENE A GAROFALO | 90 GREENLEAF MDWS APT B ROCHESTER, NY 14612 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NY | $87 | — | $87 | 1.61% |
| DAVID M COUGHLIN | 3681 STARBRIGHT LN LAS VEGAS, NV 89147 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NY | $65 | — | $65 | 1.20% |
| TERESA STRONG | 1040 SKATES ST THE VILLAGES, FL 32163 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NY | $64 | — | $64 | 1.19% |
| MICHAEL O'MAY | 136 GREENFIELD RD ROCHESTER, NY 14626 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NY | $24 | — | $24 | 0.44% |
| BETH LOWNEY | 2624 ALAMEDA DR VIRGINIA BEACH, VA 23456 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NY | $21 | — | $21 | 0.39% |
| DEBRA PARKER | 20 BOWEN ST AUBURN, NY 13021 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NY | $21 | — | $21 | 0.39% |
| THOMAS MONTULLI | 270 OAKDALE DR ROCHESTER, NY 14618 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NY | $21 | — | $21 | 0.39% |
| EDWARD B LEAHY III Filed as: EDWARD LEAHY III | 85 ALLEN ST STE 210 ROCHESTER, NY 14608 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NY | $11 | — | $11 | 0.20% |
| FRANK J. MOLEY Filed as: FRANK MOLEY | 5646 HIDDEN LAKE DR LOCKPORT, NY 14094 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NY | $6 | — | $6 | 0.11% |
| MICHAEL USIAK | 85 RIVER EDGE FARMS RD MADISON, CT 06443 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NY | $5 | — | $5 | 0.09% |
| TRECIA BRADY | 71 NUTMEG CT MIDDLETOWN, CT 06457 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NY | $4 | — | $4 | 0.07% |
| BRAD JONES AND ASSOCIATES INC | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NY | $4 | — | $4 | 0.07% |
| JOHN K SCHULE Filed as: JOHN SCHULE | 102 BLACKWOOD LN STAMFORD, CT 06903 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NY | $3 | — | $3 | 0.06% |
| LOUIS R FAIOLA | 12 HAAWK CT DELMAR, NY 12054 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NY | $2 | — | $2 | 0.04% |
| RUSSELL T BARRETT Filed as: RUSSELL BARRETT | 27 JULIANS WAY SARATOGA SPRINGS, NY 12866 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NY | $1 | — | $1 | 0.02% |
| DAVID B PERLEE Filed as: DAVID PERLEE | 1989 NEPTUNE DR ENGLEWOOD, FL 34223 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NY | $1 | — | $1 | 0.02% |
| JEFF DALABA | 8500 GILLY FLOWER CT BLADWINSVILLE, NY 13027 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NY | $1 | — | $1 | 0.02% |
| STEVEN DALABA | 7683 SEDGEWICK RIDGE RD LEWISVILLE, NC 27023 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF NY | $1 | — | $1 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 100 MERIDIAN CENTRE BLVD, SUITE 100 ROCHESTER, NY 14618 | EXCELLUS BLUE CROSS BLUE SHIELD | — | — | $0 | — |
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 | 433 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 405 | $2.0M |
| Dental | AETNA LIFE INSURANCE CO. | 405 | $2.0M |
| Vision | AETNA LIFE INSURANCE CO. | 405 | $2.0M |
| Life insurance(3 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 425 | $115K |
| Long-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 20 | $29K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 0 | $0 |
| Other | HARTFORD LIFE AND ACCIDENT | 425 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 425 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.