| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | UNITEDHEALTHCARE INSURANCE COMPANY | $44K | $0 | $44K | 3.26% |
| ROTH & ASSOCIATES3 Filed as: ROTH AND ASSOCIATES INC | 990 HAMMOND DRIVE, SUITE 830 ATLANTA, GA 30328 | UNITEDHEALTHCARE INSURANCE COMPANY | $31K | $0 | $31K | 2.29% |
| ROTH & ASSOCIATES3 Filed as: ROTH AND ASSOCIATES | 990 HAMMOND DRIVE, SUITE 830 ATLANTA, GA 30328 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 6.64% |
| PAYCHEX INSURANCE AGENCY, INC.3 | PO BOX 948 HENRIETTA, NY 14467 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 3.99% |
| ROTH & ASSOCIATES3 Filed as: ROTH AND ASSOCIATES INC | 990 HAMMOND DRIVE, SUITE 830 ATLANTA, GA 30328 | COMPBENEFITS | $404 | $0 | $404 | 1.28% |
| ROTH & ASSOCIATES3 Filed as: ROTH AND ASSOCIATES | 180 HELMSLEY DRIVE ATLANTA, GA 30327 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.81% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.01% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | PO BOX 948 HENRIETTA, NY 14467 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $131 | $131 | 0.57% |
| ROTH & ASSOCIATES3 Filed as: ROTH AND ASSOCIATES INC | 990 HAMMOND DRIVE, SUITE 830 ATLANTA, GA 30328 | COMPBENEFITS | $374 | $0 | $374 | 4.02% |
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 | 201 | 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) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 193 | $1.3M |
| Dental | COMPBENEFITS | 74 | $32K |
| Vision | COMPBENEFITS | 63 | $9K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 201 | $23K |
| Long-term disability | STANDARD INSURANCE COMPANY | 159 | $40K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 193 | $1.3M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 201 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.