| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARKETING ASSOCIATES & LIMITED COMP3 Filed as: MARKETING ASSOCIATES & LTD COS | 11 SCHOEN PL PITTSFORD, NY 14534 | EXCELLUS BLUE CROSS BLUE SHIELD | $12K | — | $12K | 3.28% |
| MANNING & NAPIER BENEFITS LLC3 | 290 WOODCLIFF DR FAIRPORT, NY 14450 | EXCELLUS BLUE CROSS BLUE SHIELD | $3K | — | $3K | 0.72% |
| FRANCES PULLANO3 | 11 SCHOEN PL PITTSFORD, NY 14534 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 6.49% |
| MANNING & NAPIER BENEFITS LLC3 Filed as: MANNING & NAPIER BENEFITS, LLC | 290 WOODCLIFF DR FAIRPORT, NY 14450 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 3.20% |
| MARKETING ASSOCIATES & LIMITED COMP3 Filed as: MARKETING ASSOCIATES & LTD COS | 11 SCHOEN PLACE PITTSFORD, NY 14534 | EXCELLUS BLUE CROSS BLUE SHIELD | $4K | — | $4K | 8.34% |
| MANNING & NAPIER BENEFITS LLC3 Filed as: MANNING & NAPIER BENEFITS, LLC | 290 WOODCLIFF DR FAIRPORT, NY 14450 | EXCELLUS BLUE CROSS BLUE SHIELD | $1K | — | $1K | 2.50% |
| FRANCES PULLANO3 | 11 SCHOEN PL PITTSFORD, NY 14534 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 10.10% |
| MANNING & NAPIER BENEFITS LLC3 Filed as: MANNING & NAPIER BENEFITS, LLC | 290 WOODCLIFF DR FAIRPORT, NY 14450 | FIRST UNUM LIFE INSURANCE COMPANY | $644 | — | $644 | 4.90% |
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 | 110 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 46 | $371K |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 49 | $44K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 110 | $44K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 24 | $13K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 110 | $44K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 46 | $371K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 110 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.