| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENE-CARE AGENCY LLC3 Filed as: BENE-CARE INC | 1260 CREEK ST WEBSTER, NY 14580 | EXCELLUS BLUE CROSS BLUE SHIELD | $68K | — | $68K | 3.77% |
| BENE-CARE AGENCY LLC3 | 1260 CREEK ST WEBSTER, NY 14580 | AETNA LIFE INSURANCE CO | $5K | — | $5K | 4.76% |
| BENE-CARE AGENCY LLC3 | 1260 CREEK ST WEBSTER, NY 14580 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 18.75% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $54 | $54 | 0.10% |
| BENE-CARE AGENCY LLC3 | 1260 CREEK ST WEBSTER, NY 14580 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 32.65% |
| IMG5 | 2960 NORTH MERIDIAN ST INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $54 | $54 | 0.17% |
| BENE-CARE AGENCY LLC3 | 1260 CREEK ST WEBSTER, NY 14580 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 54.98% |
| IMG5 | 2960 NORTH MERIDIAN ST INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $54 | $54 | 0.29% |
| BENE-CARE AGENCY LLC3 | 1260 CREEK ST WEBSTER, NY 14580 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 99.99% |
| IMG5 | 2960 NORTH MERIDIAN ST INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $54 | $54 | 0.52% |
| BENE-CARE AGENCY LLC3 | 1260 CREEK ST WEBSTER, NY 14580 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 196.34% |
| IMG5 | 2960 NORTH MERIDIAN ST INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $54 | $54 | 1.03% |
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 | 304 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 173 | $1.8M |
| Dental | AETNA LIFE INSURANCE CO | 309 | $115K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 300 | $19K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 300 | $32K |
| Other(3 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 300 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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.
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.