| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BDS CORP OF CNY INC.3 Filed as: BDS CORP OF CNY | 5010 CAMPUSWOOD DR STE 105 E SYRACUSE, NY 13057 | EXCELLUS BLUECROSS BLUESHIELD | $21K | — | $21K | 4.48% |
| BDS CORP OF CNY INC.3 Filed as: BDS CORP OF CNY | 5010 CAMPUSWOOD DR STE 105 E SYRACUSE, NY 13057 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE RT 5 STE 368 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | — | $553 | $553 | 6.14% |
| BDS CORP OF CNY INC.3 Filed as: BDS CORP OF CNY | 5010 CAMPUSWOOD DR STE 105 E SYRACUSE, NY 13057 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $651 | — | $651 | 14.99% |
| BDS CORP OF CNY INC.3 Filed as: BDS CORP OF CNY | 5010 CAMPUSWOOD DR STE 105 E SYRACUSE, NY 13057 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $421 | — | $421 | 9.99% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP | — | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4 | — | $4 | 0.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCELLUS BLUECROSS BLUESHIELD EIN 15-0329043 TPA SERVICES | Claims processing Service code 12 | — | $4K |
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 | 349 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 349 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 42 | $460K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 40 | $4K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 349 | $9K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 14 | $4K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 42 | $460K |
| Other | HARTFORD LIFE AND ACCIDENT | 349 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 349 | — |
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.