| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MANNING & NAPIER BENEFITS LLC3 Filed as: MANNING & NAPIER BENEFITS, LLC | 290 WOODCLIFF DR. FAIRPORT, NY 14450 | EXCELLUS BLUECROSS BLUESHIELD | $51K | — | $51K | 2.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK, INC. | 45 EAST AVENUE #700 ROCHESTER, NY 14604 | EXCELLUS BLUECROSS BLUESHIELD | $29K | — | $29K | 1.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 45 EAST AVE ROCHESTER, NY 146042219 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $31 | $3K | 1.83% |
| MANNING & NAPIER BENEFITS LLC3 | 290 WOODCLIFF DR FAIRPORT, NY 144504212 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 1.79% |
| ROWLANDS AND BARRANCA AGENCY3 Filed as: ROWLANDS & BARRANCA AG | 6 TOWER PLACE ALBANY, NY 122033725 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $226 | $226 | 0.12% |
| MANNING & NAPIER BENEFITS LLC3 | 295 WOODCLIFF OFFICE PARK SUITE 200 FAIRPORT, NY 14450 | SUN LIFE INSURANCE AND ANNUITY COMPANY OF NEW YORK | $6K | — | $6K | 3.73% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | SUN LIFE INSURANCE AND ANNUITY COMPANY OF NEW YORK | $5K | — | $5K | 3.20% |
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 | 343 | 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) | 343 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 239 | $2.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 413 | $183K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 413 | $183K |
| Life insurance | SUN LIFE INSURANCE AND ANNUITY COMPANY OF NEW YORK | 329 | $164K |
| Long-term disability | SUN LIFE INSURANCE AND ANNUITY COMPANY OF NEW YORK | 329 | $164K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 239 | $2.5M |
| Other | SUN LIFE INSURANCE AND ANNUITY COMPANY OF NEW YORK | 329 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 413 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.