| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: HAYLOR,FREYER & COON INC | 300 S STATE STREET SUITE 1000 PO BOX 4743 SYRACUSE, NY 13221 | GUARDIAN | $5K | $2K | $7K | 3.22% |
| ACRISURE LLC3 Filed as: HAYLOR,FREYER & COON INC | 300 S STATE STREET SUITE 1000 PO BOX 4743 SYRACUSE, NY 13221 | GUARDIAN | $13K | $2K | $14K | 7.23% |
| ACRISURE LLC3 Filed as: HAYLOR,FREYER & COON INC | 300 S STATE STREET SUITE 1000 PO BOX 4743 SYRACUSE, NY 13221 | GUARDIAN | $3K | $713 | $4K | 4.93% |
| JEFFREY GREENBLOTT3 | 609 EAST MAIN STREET ENDICOTT, NY 13770 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.67% |
| GREGORY L ULATOWSKI3 Filed as: GREGORY ULATOWSKI | 305 PLYMOUTH DRIVE SYRACUSE, NY 13206 | THE PAUL REVERE LIFE INSURANCE COMPANY | $635 | $0 | $635 | 2.28% |
| FOUR POINTS INC3 | 119 WESTCOMBE PARK WEST HENRIETTA, NY 14586 | THE PAUL REVERE LIFE INSURANCE COMPANY | $145 | $189 | $334 | 1.20% |
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 | 291 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 222 | $2.8M |
| Dental | GUARDIAN | 234 | $224K |
| Vision | FIDELITY | 322 | $23K |
| Life insurance | GUARDIAN | 481 | $197K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 292 | $110K |
| Long-term disability | GUARDIAN | 481 | $197K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 222 | $2.8M |
| Other | GUARDIAN | 481 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 481 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.