| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BDS CORP OF CNY INC.3 Filed as: BDS CORP0 OF CNY | 5010 CAMPUSWOOD DR., SUITE 105 EAST SYRACUSE, NY 13057 | EXCELLUS | $19K | — | $19K | 4.51% |
| BDS CORP OF CNY INC.3 Filed as: BDS CORP OF CNY | 5010 CAMPUSWOOD DR STE 105 EAST SYRACUSE, NY 13057 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 14.91% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 2338 IMMOKALEE ROAD, SUITE NAPLES, NY 34110 | HARTFORD LIFE AND ACCIDENT | — | $406 | $406 | 4.96% |
| BDS CORP OF CNY INC.3 Filed as: BDS CORP OF CNY | 5010 CAMPUSWOOD DRIVE, SUITE 105 EAST SYRACUSE, NY 13057 | FIRST RELIANCE STANDARD | $730 | — | $730 | 14.99% |
| BDS CORP OF CNY INC.3 Filed as: BDS CORP OF CNY | 5010 CAMPUSWOOD DR SUITE 105 EAST SYRACUSE, NY 13057 | GUARDIAN | $393 | — | $393 | 9.99% |
| ALLIANCE ADVISORY GRP INC3 | 600 DELAWARE AVENUE BUFFALO, NY 14202 | GUARDIAN | $4 | — | $4 | 0.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCELLUS BLUE CROSS BLUE SHIELD EIN 15-0329043 NONE | Claims processing Service code 12 | 165 COURT STREET ROCHESTER, NY 14647 | $3K |
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 | 350 | 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) | 350 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS | 36 | $412K |
| Vision | GUARDIAN | 40 | $4K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 350 | $8K |
| Long-term disability | FIRST RELIANCE STANDARD | 16 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.