| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MANNING & NAPIER BENEFITS LLC Filed as: MANNING & NAPIER BENEFITS, LLC | 290 WOODCLFF DRIVE FAIRPORT, NY 14450 | EXCELLUS BLUECROSS BLUESHIELD | $23K | — | $23K | 4.61% |
| MANNING & NAPIER BENEFITS LLC3 | 290 WOODCLIFF DR FAIRPORT, NY 14450 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.43% |
| WATERS, ROBERT T3 | 250 S. CLINTON STREET STE 300 SYRACUSE, NY 13202 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 13.06% |
| MANNING & NAPIER BENEFITS LLC3 | 290 WOODCLIFF DRIVE FAIRPORT, NY 14450 | FIRST UNUM LIFE INSURANCE COMPANY | $718 | $36 | $754 | 4.38% |
| MANNING & NAPIER BENEFITS LLC3 | 290 WOODCLIFF DRIVE FAIRPORT, NY 14450 | FIRST UNUM LIFE INSURANCE COMPANY | $845 | $278 | $1K | 8.08% |
| MANNING & NAPIER BENEFITS LLC3 | 290 WOODCLIFF DRIVE FAIRPORT, NY 14450 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $99 | $1K | 16.28% |
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 | 219 | 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) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 86 | $499K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 145 | $63K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 209 | $36K |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 80 | $22K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 209 | $19K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 86 | $499K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 209 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.