| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX AGENCY, INC. | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $42K | $0 | $42K | 2.73% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.50% |
| PAYCHEX INSURANCE AGENCY, INC.3 | PO BOX 948 HENRIETTA, NY 14467 | SUN LIFE AND HEALTH INSURANCE COMPANY | $1K | $0 | $1K | 10.05% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | SUN LIFE AND HEALTH INSURANCE COMPANY | $288 | $0 | $288 | 2.06% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSRUANCE AGENCY, INC. | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.62% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSRUANCE AGENCY, INC. | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $75 | $0 | $75 | 15.00% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $28 | $0 | $28 | 14.89% |
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 | 253 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 77 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 266 | $1.5M |
| Life insurance(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 25 | $42K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 84 | $14K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 24 | $14K |
| Prescription drug | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 266 | $1.5M |
| Other(4 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 266 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.