| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AFS AGENCY3 | 185 GENESEE STREET 2ND FL ADIRONDACK BANK BLDG UTICA, NY 13501 | EXCELLUS BLUECROSS BLUESHIELD | $46K | — | $46K | 4.21% |
| ROGER BOUCHARD INSURANCE INC3 | 5310 CLARK RD STE 1 SARASOTA, FL 34233 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 5.27% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK | 71A MONROE AVENUE PITTSFORD, NY 14534 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $5K | — | $5K | 7.56% |
| ADIRONDACK FINANCIAL SERVICES3 Filed as: ADIRONDACK FINANCIAL SERVICES CORP | 185 GENESEE ST UTICA, NY 13501 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 1.51% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY INC. | 210 CLINTON STREET NEW HARTFORD, NY 13413 | GUARDIAN | $3K | $2K | $5K | 9.32% |
| AFS AGENCY3 | 185 GENESEE STREET SUITE 210 UTICA, NY 13501 | GUARDIAN | $258 | — | $258 | 0.49% |
| ALLIANCE ADVISORY GRP INC3 | 600 DELAWARE AVENUE BUFFALO, NY 14221 | GUARDIAN | $56 | — | $56 | 0.11% |
| BENEFITS CONSULTING GROUP OF FL INC3 Filed as: BENEFITS CONSULTING GRP OF FLORIDA | 1605 E HARWOOD ST STE100 ORLANDO, FL 328035551 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| ROGER BOUCHARD INSURANCE INC3 | 101 STARCREST DR CLEARWATER, FL 33765 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| ROGER BOUCHARD INSURANCE INC3 | 101 STARCREST DR CLEARWATER, FL 33765 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 18.95% |
| AFS AGENCY3 | 185 GENESEE ST SUITE 210 UTICA, NY 13501 | HM LIFE INSURANCE COMPANY OF NEW YORK | $879 | — | $879 | 10.00% |
| BOND BENEFITS CONSULTING LLC3 Filed as: BOND FINANCIAL NETWORK | 71A MONROE AVENUE PITTSFORD, NY 14534 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $805 | — | $805 | 12.51% |
| ADIRONDACK FINANCIAL SERVICES3 Filed as: ADIRONDACK FINANCIAL SERVICES CORP | FL 2 185 GENESEE ST UTICA, NY 13501 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $161 | — | $161 | 2.50% |
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 | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | EXCELLUS BLUECROSS BLUESHIELD | 153 | $1.3M |
| Dental(3 contracts, 3 carriers) | GUARDIAN | 96 | $87K |
| Vision(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 96 | $42K |
| Life insurance(4 contracts, 2 carriers) | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 141 | $123K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 60 | $21K |
| Long-term disability(2 contracts, 2 carriers) | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 141 | $95K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 153 | $1.1M |
| Other(3 contracts, 2 carriers) | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 141 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.