| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | BLUE CROSS BLUE SHIELD OF FLORIDA | $36K | $0 | $36K | 3.00% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | FLORIDA COMBINED LIFE | $7K | $0 | $7K | 3.98% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | FLORIDA COMBINED LIFE | $5K | $0 | $5K | 11.93% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DR ROCHESTER, NY 14620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. | $2K | $0 | $2K | 10.00% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | PROVIDENT LIFE AND ACCIDENT INSURANE COMPANY | $429 | $0 | $429 | 2.85% |
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 | 225 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 188 | $1.2M |
| Dental | FLORIDA COMBINED LIFE | 191 | $163K |
| Vision | BLUE CROSS & BLUE SHIELD OF FLORIDA, INC. | 110 | $16K |
| Life insurance(2 contracts, 2 carriers) | FLORIDA COMBINED LIFE | 225 | $62K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 188 | $1.2M |
| Other(2 contracts, 2 carriers) | FLORIDA COMBINED LIFE | 225 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.