| 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 | $60K | — | $60K | 4.01% |
| ADIRONDACK FINANCIAL SERVICES3 Filed as: ADIRONDACK FINANCIAL SERVICES CORP | 185 GENESEE ST STE 210 UTICA, NY 13501 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $8K | — | $8K | 7.52% |
| AFS AGENCY3 | 185 GENESEE STREET SUITE 210 UTICA, NY 13501 | GUARDIAN | $3K | — | $3K | 3.94% |
| ALLIANCE ADVISORY GRP INC3 | 600 DELAWARE AVENUE BUFFALO, NY 14221 | GUARDIAN | $58 | — | $58 | 0.07% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY INC. | 210 CLINTON STREET NEW HARTFORD, NY 13413 | GUARDIAN | — | — | $0 | 0.00% |
| ADIRONDACK FINANCIAL SERVICES3 Filed as: ADIRONDACK FINANCIAL SERVICES CORPO | STE 210 185 GENESEE ST UTICA, NY 13501 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 15.00% |
| AFS AGENCY3 | 185 GENESEE ST SUITE 210 UTICA, NY 13501 | HM LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 10.00% |
| ADIRONDACK FINANCIAL SERVICES3 Filed as: ADIRONDACK FINANCIAL SVCS | 185 GENESEE ST UTICA, NY 13501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 152 | $1.5M |
| Dental | GUARDIAN | 139 | $82K |
| Vision | HM LIFE INSURANCE COMPANY OF NEW YORK | 112 | $16K |
| Life insurance(2 contracts) | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 213 | $120K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 42 | $13K |
| Long-term disability | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 213 | $101K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 152 | $1.5M |
| Other(2 contracts) | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 213 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.