| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARADIGM PB LLC3 | 133 BUSINESS PARK DRIVE UTICA, NY 13502 | EXCELLUS BLUECROSS BLUESHIELD | $25K | — | $25K | 4.44% |
| PARADIGM PB LLC3 | 133 BUSINESS PARK DRIVE UTICA, NY 13502 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $334 | $6K | 7.78% |
| LAURIE A SCHOEN3 | 6 SLAYTONBUSH ROAD WHITESBORO, NY 13492 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.10% |
| WORLD INSURANCE ASSOCIATES LLC Filed as: GILROY KERNAN & GILROY IN | 210 CLINTON ST NEW HARTFORD, NY 13413 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $418 | — | $418 | 0.55% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP, INC. | 600 DELAWARE AVE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5 | — | $5 | 0.01% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GRP INC. | 350 ESSJAY ROAD SUITE 301 WILLIAMSVILLE, NY 14221 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4 | — | $4 | 0.01% |
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 | 105 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 76 | $564K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $76K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $76K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $76K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $76K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 76 | $564K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.