| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VALICENTI INSURANCE SERVICES3 | 447 EAST WATER STREET ELMIRA, NY 14901 | EXCELLUS BLUECROSS BLUESHIELD | $103K | — | $103K | 2.40% |
| ENROLLEASE Filed as: KAFL | 800 LINDEN AVE ROCHESTER, NY 14625 | SUN LIFE AND HEALTH INSURANCE COMPANY | $19K | — | $19K | 5.69% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | SUN LIFE AND HEALTH INSURANCE COMPANY | $17 | — | $17 | 0.01% |
| VALICENTI INSURANCE SERVICES3 | 447 E WATER STREET ELMIRA, NY 14901 | EXCELLUS BLUECROSS BLUESHIELD | $9K | — | $9K | 3.62% |
| ENROLLEASE3 Filed as: KAFL INC | 800 LINDEN AVE ROCHESTER, NY 14625 | SUN LIFE AND HEALTH INSURANCE COMPANY | $3K | — | $3K | 2.63% |
| VALICENTI INSURANCE SERVICES3 | 447 E WATER STREET ELMIRA, NY 14901 | LIFETIME BENEFIT SOLUTIONS | $3K | — | $3K | 10.00% |
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 | 315 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 201 | $4.3M |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 207 | $254K |
| Vision | LIFETIME BENEFIT SOLUTIONS | 184 | $26K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 306 | $327K |
| Short-term disability(2 contracts) | SUN LIFE AND HEALTH INSURANCE COMPANY | 315 | $442K |
| Long-term disability(2 contracts) | SUN LIFE AND HEALTH INSURANCE COMPANY | 315 | $442K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 201 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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."
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.