| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BURNHAM FINANCIAL SERVICES, LLC3 Filed as: BURNHAM FINANCIAL SERVICES LLC | 2038 SARANAC AVENUE LAKE PLACID, NY 12946 | MUTUAL OF OMAHA INSURANCE COMPANY | $34K | — | $34K | 13.37% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $6K | $6K | 2.57% |
| AON CONSULTING INC5 Filed as: BSWIFT, LLC | 10 S RIVERSIDE PLZ SUITE 1100 CHICAGO, IL 60606 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $4K | $4K | 1.73% |
| MVP BENEFIT GROUP INCORPORATED3 Filed as: MVP BENEFIT GROUP | 625 STATE STREET SCHENECTADY, NY 12305 | HCC LIFE INSURANCE COMPANY | $7K | — | $7K | 5.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 2038 SARANAC AVENUE LAKE PLACID, NY 12946 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $5K | $12K | 8.54% |
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 | 630 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 633 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTHCARE | 469 | $218K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 547 | $139K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 547 | $139K |
| Life insurance | MUTUAL OF OMAHA INSURANCE COMPANY | 630 | $253K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 630 | $253K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 630 | $253K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 469 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 630 | — |
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.