| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 39340 TREASURY CENTER CHICAGO, IL 60694 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $159K | — | $159K | 9.84% |
| CALVO'S INSURANCE UNDERWRITERS, INC3 | P.O.BOX FJ HAGATNA, GU 96932 | TOKIO MARINE PACIFIC INSURANCE LTD. | $14K | — | $14K | 2.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 39340 TREASURY CENTER CHICAGO, IL 60694 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | — | $19K | 5.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 39340 TREASURY CENTER CHICAGO, IL 60694 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 5.00% |
| ACRISURE LLC3 Filed as: FULCRO INSURANCE | PO BOX 9024048 SAN JUAN, PR 00902 | HUMANA INSURANCE OF PUERTO RICO, INC. | $2K | — | $2K | 9.59% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 199 WATER STREET 12TH FL NEW YORK, NY 100380000 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 100 MERIDIAN CENTRE BLVD. ROCHESTER, NY 14618 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $64 | $2K | 23.02% |
| ANTHONY R MANGIONE3 | 29 SISSON DRIVE ROCHESTER, NY 14623 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19 | $90 | $109 | 1.05% |
| KARL L FONDA3 | 311 BROOKSBORO DR WEBSTER, NY 14580 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 100 MERIDIAN CENTRE BLVD. ROCHESTER, NY 14618 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $213 | $5K | 64.12% |
| ANTHONY R MANGIONE3 | 29 SISSON DRIVE ROCHESTER, NY 14623 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $90 | $414 | $504 | 6.35% |
| KARL L FONDA3 | 311 BROOKSBORO DR WEBSTER, NY 14580 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $90 | — | $90 | 1.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC. | 100 MERIDIAN CENTRE BLVD. ROCHESTER, NY 14618 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $992 | $42 | $1K | 59.73% |
| ANTHONY R MANGIONE3 | 29 SISSON DRIVE ROCHESTER, NY 14623 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $81 | $99 | 5.72% |
| KARL L FONDA3 | 311 BROOKSBORO DR WEBSTER, NY 14580 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 1.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 100 MERIDIAN CENTRE BLVD. ROCHESTER, NY 14618 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $562 | $21 | $583 | 39.90% |
| ANTHONY R MANGIONE3 | 29 SISSON DRIVE ROCHESTER, NY 14623 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $42 | $51 | 3.49% |
| KARL L FONDA3 | 311 BROOKSBORO DR WEBSTER, NY 14580 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 100 MERIDIAN CENTRE BLVD. ROCHESTER, NY 14618 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $281 | $13 | $294 | 71.01% |
| ANTHONY R MANGIONE3 | 29 SISSON DRIVE ROCHESTER, NY 14623 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $24 | $29 | 7.00% |
| KARL L FONDA3 | 311 BROOKSBORO DR WEBSTER, NY 14580 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 1.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 100 MERIDIAN CENTRE BLVD. ROCHESTER, NY 14618 | THE PAUL REVERE LIFE INSURANCE COMPANY | $94 | — | $94 | 32.53% |
| ANTHONY R MANGIONE3 | 29 SISSON DRIVE ROCHESTER, NY 14618 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | $2 | $6 | 2.08% |
| KARL L FONDA3 | 311 BROOKSBORO DR WEBSTER, NY 14580 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | — | $4 | 1.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 100 MERIDIAN CENTRE BLVD. ROCHESTER, NY 14618 | THE PAUL REVERE LIFE INSURANCE COMPANY | $35 | — | $35 | 14.29% |
| KARL L FONDA3 | 311 BROOKSBORO DR WEBSTER, NY 14580 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 100 MERIDIAN CENTRE BLVD. ROCHESTER, NY 14618 | THE PAUL REVERE LIFE INSURANCE COMPANY | $60 | — | $60 | 32.97% |
| ANTHONY R MANGIONE3 | 29 SISSON DRIVE ROCHESTER, NY 14623 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | $1 | $3 | 1.65% |
| KARL L FONDA3 | 311 BROOKSBORO DR WEBSTER, NY 14580 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | — | $2 | 1.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 100 MERIDIAN CENTRE BLVD. ROCHESTER, NY 14618 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7 | — | $7 | 6.09% |
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 | 8,941 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 150 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,091 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 197 | $2.6M |
| Dental(4 contracts, 4 carriers) | CONNECTICUT GENERAL LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 6,021 | $4.4M |
| Vision(3 contracts, 3 carriers) | CONNECTICUT GENERAL LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 6,021 | $4.6M |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,233 | $1.6M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,592 | $379K |
| Prescription drug(2 contracts, 2 carriers) | TOKIO MARINE PACIFIC INSURANCE LTD. | 100 | $1.1M |
| Stop-loss / reinsurancereinsurance | CONNECTICUT GENERAL LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 6,021 | $3.5M |
| Other(17 contracts, 9 carriers) | CONNECTICUT GENERAL LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 9,024 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,024 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.