| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 | 432 N FRANKLIN ST SUITE 20 SYRACUSE, NY 132041560 | EXCELLUS BLUECROSS BLUESHIELD | $88K | — | $88K | 2.88% |
| CROWN RISK MANAGEMENT, LLC3 | 432 N FRANKLIN ST SUITE 20 SYRACUSE, NY 132041560 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $9K | 6.64% |
| VALERIE J CLARK3 | 9425 DOUBLE R BLVD STE F RENO, NV 89521 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 5.74% |
| VALERIE J CLARK3 | 5470 RENO CORPORATE DRIVE RENO, NV 89511 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $852 | — | $852 | 3.33% |
| PFC INS. SERVICES OF THE WEST, LLC3 | 6200 CANOGA AVENUE #325 WOODLAND HILLS, CA 91367 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $637 | — | $637 | 2.49% |
| VALERIE J CLARK3 | 730 SANDHILL RD #310 RENO, NV 89521 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $218 | — | $218 | 0.85% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: CROWN RISK MANAGEMENT LLC | 432 NORTH FRANKLIN STREET SYRACUSE, NY 13202 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 7.28% |
| THE GEORGE L. WLADIS COMPANY, INC.3 Filed as: THE GEORGE L WLADIS CO INC | 528 PLUM CT SYRACUSE, NY 13204 | FIRST UNUM LIFE INSURANCE COMPANY | $363 | — | $363 | 1.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 500 PLUM ST #200 SYRACUSE, NY 13204 | FIRST UNUM LIFE INSURANCE COMPANY | $139 | — | $139 | 0.59% |
| SCOTT B MESCON3 | 9605 DUNDERRY HEIGHTS BALDWINSVILLE, NY 13027 | FIRST UNUM LIFE INSURANCE COMPANY | $119 | — | $119 | 0.50% |
| NORMAN CAFFREY3 | 6053 JERUSALEM DR CICERO, NY 13039 | FIRST UNUM LIFE INSURANCE COMPANY | $119 | — | $119 | 0.50% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | FIRST UNUM LIFE INSURANCE COMPANY | $70 | — | $70 | 0.30% |
| CROWN RISK MANAGEMENT, LLC3 | 432 N FRANKLIN ST SUITE 20 SYRACUSE, NY 132041560 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $153 | $1K | 11.49% |
| ALLIANCE ADVISORY GRP INC3 | 600 DELWARE AVENUE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $77 | — | $77 | 0.75% |
| CROWN RISK MANAGEMENT, LLC3 | 432 N FRANKLIN ST SUITE 20 SYRACUSE, NY 132041560 | SHELTERPOINT LIFE INSURANCE COMPANY | $791 | — | $791 | 7.96% |
| CROWN RISK MANAGEMENT, LLC3 | 432 N FRANKLIN ST SUITE 20 SYRACUSE, NY 132041560 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $438 | — | $438 | 4.74% |
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 | 389 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 258 | $3.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 262 | $135K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 332 | $26K |
| Short-term disability(4 contracts, 4 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 304 | $53K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 258 | $3.1M |
| Other | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 14 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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.