| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY, INC | 150 SAWGRASS DR ROCHESTER, NY 14620 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $23K | $32K | 2.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR STE. 500 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 4.48% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY, INC | PO BOX 948 HENRIETTA, NY 14468 | CIGNA HEALTH AND LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 3.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR STE. 500 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 6.63% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY, INC | PO BOX 948 HENRIETTA, NY 14468 | CIGNA HEALTH AND LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 4.68% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY, INC | PO BOX 948 HENRIETTA, NY 14468 | CIGNA HEALTH AND LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 4.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR STE. 500 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 3.62% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY, INC | PO BOX 948 HENRIETTA, NY 14467 | EYEMED | $272 | — | $272 | 2.30% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP MELTZER GROUP BENEFITS | 6500 ROCK SPRINGS DR, STE 500 BETHESDA, MD 20817 | EYEMED | $268 | — | $268 | 2.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR STE. 500 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY OF NEW YORK | $421 | — | $421 | 6.52% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY, INC | PO BOX 948 HENRIETTA, NY 14468 | CIGNA HEALTH AND LIFE INSURANCE COMPANY OF NEW YORK | $353 | — | $353 | 5.47% |
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 | 282 | 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) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 424 | $1.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 424 | $1.5M |
| Vision | EYEMED | 236 | $12K |
| Life insurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY OF NEW YORK | 284 | $37K |
| Short-term disability | CIGNA HEALTH AND LIFE INSURANCE COMPANY OF NEW YORK | 284 | $51K |
| Long-term disability | CIGNA HEALTH AND LIFE INSURANCE COMPANY OF NEW YORK | 284 | $45K |
| Other | CIGNA HEALTH AND LIFE INSURANCE COMPANY OF NEW YORK | 284 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 424 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.