| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | 40 LAKE CENTER EXECUTIVE 401 RTE 73N STE 300 MARLTON, NJ 08053 | DELTA DENTAL OF NEW YORK | $5K | — | $5K | 5.00% |
| CONNER STRONG & BUCKELEW3 | 40 LAKE CTR EXECUTIVE 401 ROUTE 73 N STE 300 MARLTON, NJ 08053 | CIGNA LIFE INSURANCE CO OF NY | — | $2K | $2K | 4.71% |
| CONNER STRONG & BUCKELEW3 | 40 LAKE CTR EXECUTIVE 401 ROUTE 73 N STE 300 MARLTON, NJ 08053 | CIGNA LIFE INSURANCE CO OF NY | — | $2K | $2K | 5.55% |
| CONNER STRONG & BUCKELEW3 | PO BOX 989 MARLTON, NJ 08053 | EYEMED VISION CARE | $3K | — | $3K | 9.83% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 1133 WEST CHESTERAVE WHITE PLAINS, NY 10604 | EYEMED VISION CARE | $1K | — | $1K | 4.92% |
| CONNER STRONG & BUCKELEW3 | 40 LAKE CTR EXECUTIVE 401 ROUTE 73 N STE 300 MARLTON, NJ 08053 | CIGNA LIFE INSURANCE CO OF NY | — | $1K | $1K | 5.22% |
| ERIN HOLZSCHUH3 | 550 LATONA RD SUITE 410 BUILDING D ROCHESTER, NY 14626 | AFLAC | $564 | $64 | $628 | 5.29% |
| BENEFIT LINK LLC3 | 2152 RIDGEWAY AVE ROCHESTER, NY 14626 | AFLAC | $414 | — | $414 | 3.49% |
| BRENDAN MCCARTHY AND CREW INC3 Filed as: BRENDAN MCCARTHY | 39 SAGINAW DR STE 2 ROCHESTER, NY 14623 | AFLAC | $144 | $26 | $170 | 1.43% |
| ELLEN REYNOLDS3 | 11 JAMES ST FAIRPORT, NY 14450 | AFLAC | $136 | — | $136 | 1.15% |
| KENNETH M TRAWICK3 Filed as: KENNETH TRAWICK | 3988 US ROUTE 11 PULASKI, NY 13142 | AFLAC | $133 | — | $133 | 1.12% |
| ROBIN MOORE3 | PO BOX 1623 FAIRPORT, NY 14450 | AFLAC | $128 | — | $128 | 1.08% |
| DEBRA PARKER3 | 20 BOWEN ST AUBURN, NY 13021 | AFLAC | $99 | — | $99 | 0.83% |
| CONNER STRONG & BUCKELEW3 | 40 LAKE CTR EXECUTIVE 401 ROUTE 73 N STE 300 MARLTON, NJ 08053 | CIGNA LIFE INSURANCE CO OF NY | — | $145 | $145 | 5.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MVP SELECT CARE EIN 14-1704347 TPA | Claims processing Service code 12 | — | $139K |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 304 | $95K |
| Vision | EYEMED VISION CARE | 325 | $26K |
| Life insurance(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO OF NY | 444 | $35K |
| Short-term disability | CIGNA LIFE INSURANCE CO OF NY | 363 | $32K |
| Long-term disability | CIGNA LIFE INSURANCE CO OF NY | 444 | $43K |
| Other(2 contracts, 2 carriers) | AFLAC | 444 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 444 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.