| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R. K. MCKINNON ASSOCIATES, INC.3 Filed as: R.K. MCKINNON ASSOCIATES, INC. | 108 BUCHMANN CLOSE CIRCLE FAYETTEVILLE, NY 13066 | EXCELLUS BLUE CROSS BLUE SHIELD | $25K | — | $25K | 4.04% |
| R. K. MCKINNON ASSOCIATES, INC.3 | 108 BUCHMANN CLOSE CIRCLE FAYETTEVILLE, NY 13066 | EXCELLUS BLUECROSS BLUESHIELD | $3K | — | $3K | 11.78% |
| R. K. MCKINNON ASSOCIATES, INC.3 Filed as: R. K. MCKINNON & ASSOCIATES, INC. | 108 BUCHMAN CLOSE CIRCLE FAYETTEVILLE, NY 13066 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 11.59% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP, INC. | 5793 WIDEWATERS PKWY #105 SYRACUSE, NY 13214 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4 | — | $4 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DONNA THOMAS EIN 15-6022550 EMPLOYEE | Direct payment from the plan; Contract Administrator Service code 13 | — | $28K |
| BLITMAN & KING, LLP EIN 16-1047304 NONE | Legal; Direct payment from the plan Service code 29 | — | $19K |
| DERMODY, BURKE & BROWN, CPAS EIN 01-0723685 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $18K |
| MANNING & NAPIER ADVISORS, LLC EIN 45-3328488 NONE | Investment management fees paid directly by plan; Consulting (general); Investment management Service code 16 | — | $17K |
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 | 74 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 41 | $609K |
| Dental(2 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 43 | $632K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 64 | $22K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 64 | $22K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 41 | $609K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 64 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 64 | — |
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.