| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VANGUARD II INC Filed as: VANGUARD RISK MANAGERS INC. | P.O. BOX 191 MARCELLUS, NY 13108 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $6K | $17K | 18.91% |
| ANDREW THOMAS | 101 OLD COVE RD, STE 114 LIVERPOOL, NY 13090 | AFLAC | $2K | $143 | $2K | 7.52% |
| JAMES P. REAGAN AGENCY, INC. Filed as: JAMES P REAGAN AGENCY | PO BOX 131, 8 E MAIN ST MARCELLUS, NY 13108 | AFLAC | $1K | — | $1K | 3.83% |
| JOSEPH P CALARCO | 13 ARTERIAL EAST, PO BOX 130 AUBURN, NY 13021 | AFLAC | $785 | $57 | $842 | 2.99% |
| JENNIE E RUSSO | 4802 BURRSTONE RD SYRACUSE, NY 13215 | AFLAC | $583 | — | $583 | 2.07% |
| BRAD JONES AND ASSOCIATES INC Filed as: BRAD JONES & ASSOCIATES, INC. | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $135 | $19 | $154 | 0.55% |
| QUALIFIED CONSULTING SERVICES | 3 JOANNE HEIGHTS CAMILLUS, NY 13031 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $971 | — | $971 | 15.01% |
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 | 139 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $89K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $89K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $89K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $89K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $89K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.