| 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 | $152K | — | $152K | 9.83% |
| CALVO'S INSURANCE UNDERWRITERS, INC3 | P.O.BOX FJ HAGATNA, GU 96932 | TOKIO MARINE PACIFIC INSURANCE LTD. | $15K | — | $15K | 2.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 39340 TREASURY CENTER CHICAGO, IL 60694 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | — | $18K | 5.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 39340 TREASURY CENTER CHICAGO, IL 60694 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 5.00% |
| ACRISURE LLC3 Filed as: FULCRO INSURANCE | PO BOX 9024048 SAN JUAN, PR 00902 | HUMANA INSURANCE OF PUERTO RICO, INC. | $3K | — | $3K | 6.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 100 MERIDIAN CENTRE BLVD. ROCHESTER, NY 14618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $680 | $11K | 60.12% |
| ANTHONY R MANGIONE3 | 29 SISSON DRIVE ROCHESTER, NY 14623 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | $95 | $201 | 1.09% |
| KARL L FONDA3 | 311 BROOKSBORO DR WEBSTER, NY 14580 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $108 | — | $108 | 0.59% |
| STEPHEN JOSEPH JOYCE3 | 70 SARGENT DR AMHERST, NY 14226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 100 MERIDIAN CENTRE BLVD. ROCHESTER, NY 14618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $579 | $10K | 54.72% |
| ANTHONY R MANGIONE3 | 29 SISSON DRIVE ROCHESTER, NY 14623 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | $76 | $161 | 0.93% |
| KARL L FONDA3 | 311 BROOKSBORO DR WEBSTER, NY 14580 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | — | $93 | 0.53% |
| STEPHEN JOSEPH JOYCE3 | 70 SARGENT DR AMHERST, NY 14226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.05% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 199 WATER STREET 12TH FL NEW YORK, NY 100380000 | FEDERAL INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 100 MERIDIAN CENTRE BLVD. ROCHESTER, NY 14618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $341 | $6K | 45.09% |
| KARL L FONDA3 | 311 BROOKSBORO DR WEBSTER, NY 14580 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.42% |
| ANTHONY R MANGIONE3 | 29 SISSON DRIVE ROCHESTER, NY 14623 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $24 | $51 | 0.39% |
| STEPHEN JOSEPH JOYCE3 | 70 SARGENT DR AMHERST, NY 14226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 100 MERIDIAN CENTRE BLVD. ROCHESTER, NY 14618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $400 | $7K | 53.09% |
| ANTHONY R MANGIONE3 | 29 SISSON DRIVE ROCHESTER, NY 14623 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $59 | $125 | 1.00% |
| KARL L FONDA3 | 311 BROOKSBORO DR WEBSTER, NY 14580 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | — | $70 | 0.56% |
| STEPHEN JOSEPH JOYCE3 | 70 SARGENT DR AMHERST, NY 14226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 100 MERIDIAN CENTRE BLVD. ROCHESTER, NY 14618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $109 | $2K | 60.62% |
| ANTHONY R MANGIONE3 | 29 SISSON DRIVE ROCHESTER, NY 14623 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $16 | $34 | 1.14% |
| KARL L FONDA3 | 311 BROOKSBORO DR WEBSTER, NY 14580 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 100 MERIDIAN CENTRE BLVD. ROCHESTER, NY 14618 | THE PAUL REVERE LIFE INSURANCE COMPANY | $326 | — | $326 | 30.70% |
| KARL L FONDA3 | 311 BROOKSBORO DR WEBSTER, NY 14580 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.66% |
| STEPHEN JOSEPH JOYCE3 | 70 SARGENT DR AMHERST, NY 14226 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | $2 | $6 | 0.56% |
| ANTHONY R MANGIONE3 | 29 SISSON DRIVE ROCHESTER, NY 14623 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 100 MERIDIAN CENTRE BLVD. ROCHESTER, NY 14618 | THE PAUL REVERE LIFE INSURANCE COMPANY | $96 | — | $96 | 19.05% |
| ANTHONY R MANGIONE3 | 29 SISSON DRIVE ROCHESTER, NY 14623 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.40% |
| KARL L FONDA3 | 311 BROOKSBORO DR WEBSTER, NY 14580 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 100 MERIDIAN CENTRE BLVD. ROCHESTER, NY 14618 | THE PAUL REVERE LIFE INSURANCE COMPANY | $134 | — | $134 | 31.46% |
| KARL L FONDA3 | 311 BROOKSBORO DR WEBSTER, NY 14580 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.70% |
| ANTHONY R MANGIONE3 | 29 SISSON DRIVE ROCHESTER, NY 14623 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 100 MERIDIAN CENTRE BLVD. ROCHESTER, NY 14618 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | — | $4 | 30.77% |
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 | 9,240 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 176 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 195 | $2.9M |
| Dental(4 contracts, 4 carriers) | CONNECTICUT GENERAL LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 5,739 | $4.6M |
| Vision(3 contracts, 3 carriers) | CONNECTICUT GENERAL LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 5,739 | $4.7M |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,485 | $1.6M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,681 | $364K |
| Prescription drug(2 contracts, 2 carriers) | TOKIO MARINE PACIFIC INSURANCE LTD. | 112 | $1.2M |
| Stop-loss / reinsurancereinsurance | CONNECTICUT GENERAL LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 5,739 | $3.6M |
| Other(17 contracts, 9 carriers) | CONNECTICUT GENERAL LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 8,554 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,554 | — |
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.