| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX AGENCY, INC. | 225 KENNETH DRIVE ROCHESTER, NY 14623 | BLUE CROSS BLUE SHIELD ARIZONA | $85K | $0 | $85K | 6.43% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX AGENCY, INC. | 225 KENNETH DRIVE ROCHESTER, CA 14623 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $3K | $9K | 9.88% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 741259 LOS ANGELES, CA 90074 | PRINCIPAL LIFE INSURANCE COMPANY | $901 | $0 | $901 | 1.02% |
| PAYCHEX INSURANCE AGENCY, INC.3 | PO BOX 948 HENRIETTA, NY 14468 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY INSURANCE CO. | $1K | $0 | $1K | 8.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 729 DALLAS AVENUE SELMA, AL 36701 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY INSURANCE CO. | $507 | $0 | $507 | 3.51% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX AGENCY, INC. | 225 KENNETH DRIVE ROCHESTER, NY 14623 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY INSURANCE CO. | $9 | $0 | $9 | 0.06% |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD ARIZONA | 175 | $1.3M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY INSURANCE CO. | 191 | $14K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 252 | $88K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 252 | $88K |
| Prescription drug | BLUE CROSS BLUE SHIELD ARIZONA | 175 | $1.3M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 252 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.