| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MN AND A MEDICAL MARKETING3 Filed as: MN&A MEDICAL MARKETING | 2680 W. RIDGE ROAD SUITE 201 C ROCHESTER, NY 14626 | EXCELLUS BLUECROSS BLUESHIELD | $76K | — | $76K | 2.24% |
| NAGEL CONSULTING LLC | 2680 W. RIDGE ROAD SUITE 201 C ROCHESTER, NY 14626 | EXCELLUS BLUECROSS BLUESHIELD | $17K | — | $17K | 0.50% |
| JEFFREY NAGEL3 | 168 DORIAN LANE ROCHESTER, NY 14626 | GUARDIAN | $5K | — | $5K | 5.15% |
| DAVID LIVINGSTON3 | LIVINGSTON FINANCIAL 4550 GENESEE STREET GENESEO, NY 14454 | GUARDIAN | $5K | — | $5K | 5.15% |
| MEDICAL BENEFITS ADMINISTRATORS3 Filed as: M-N & A MEDICAL MARKETING | 2680 W. RIDGE ROAD SUITE 201C ROCHESTER, NY 14626 | EXCELLUS BLUECROSS BLUESHIELD PLAN | $2K | — | $2K | 8.13% |
| NAGEL CONSULTING LLC3 | 2680 WEST RIDGE ROAD SUITE 201C ROCHESTER, NY 14626 | EXCELLUS BLUECROSS BLUESHIELD PLAN | $822 | — | $822 | 3.64% |
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 | 381 | 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) | 381 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 290 | $3.4M |
| Dental | EXCELLUS BLUECROSS BLUESHIELD PLAN | 18 | $23K |
| Life insurance | GUARDIAN | 365 | $97K |
| Short-term disability | GUARDIAN | 365 | $97K |
| Long-term disability | GUARDIAN | 365 | $97K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 290 | $3.4M |
| Other | GUARDIAN | 365 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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.