| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARBRIDGE CONSULTING GROUP LLC3 | 1 LINCOLN CENTER 12TH FLOOR SYRACUSE, NY 13202 | EXCELLUS BLUE CROSS BLUE SHIELD | $60K | — | $60K | 3.96% |
| DANIEL POUPORE3 | 200 PARK AVE NEW YORK, NY 10166 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.58% |
| FIRST NIAGARA RISK MANAGEMENT3 Filed as: FIRST NIAGARA RISK MANAGEMENT INC | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | METROPOLITAN LIFE INSURANCE COMPANY | $602 | $185 | $787 | 1.22% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: METLIFE FINANCIAL/ METLIFE SECURITI | 1095 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $694 | $694 | 1.08% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY INC | 210 CLINTON ROAD NEW HARTFORD, NY 13413 | METROPOLITAN LIFE INSURANCE COMPANY | $609 | $22 | $631 | 0.98% |
| MARK HODGE3 | 24 CENTURY HILL DRIVE SUITE 105 LATHAM, NY 12110 | METROPOLITAN LIFE INSURANCE COMPANY | $417 | — | $417 | 0.65% |
| R.F. TOOLE ASSOCIATES, LTD3 Filed as: R.F. TOOLE ASSOCIATES, LTD. | PO BOX 426 EAST SYRACUSE, NY 13057 | DELTA DENTAL OF NEW YORK | $496 | — | $496 | 3.68% |
| FIRST NIAGARA RISK MANAGEMENT3 | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | DELTA DENTAL OF NEW YORK | $177 | — | $177 | 1.31% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | $638 | — | $638 | 5.60% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID ATLANTIC INSURANCE SERVICES | 200 CLIFFMINE RD SUITE 610 PITTSBURGH, PA 15275 | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | $501 | — | $501 | 4.40% |
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 | 297 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 80 | $1.5M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 124 | $78K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 206 | $76K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 80 | $1.5M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 206 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.