| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: HAYLOR FREYER & COON, INC. | 300 SOUTH STATE STREET, SUITE 1000 SYRACUSE, NY 13202 | EXCELLUS BLUE CROSS BLUE SHIELD | $50K | — | $50K | 4.16% |
| ACRISURE LLC3 Filed as: HAYLOR, FREYER & COON, INC. | 300 SOUTH STATE STREET, SUITE 1000 SYRACUSE, NY 13202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $335 | $5K | 5.68% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 300 SOUTH STATE ST, SUITE 1000 SYRACUSE, NY 13202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $517 | $517 | 0.58% |
| WAG NY INC3 Filed as: WAG NY, INC. | 355 LEXINGTON AVENUE NEW YORK, NY 10017 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 0.00% |
| AFFORDABLE BENEFIT CONCEPTS, INC.3 | 7785 HENRY CLAY BLVD LIVERPOOL, NY 13090 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | — | $2K | 7.57% |
| MICHAEL L O'DONNELL3 | 133 HAZELHURST AVE N. SYRACUSE, NY 13212 | THE PAUL REVERE LIFE INSURANCE COMPANY | $185 | — | $185 | 0.78% |
| BRENDA ANN LITZKE3 | 6 PERK PLACE BALLSTON LAKE, NY 12019 | THE PAUL REVERE LIFE INSURANCE COMPANY | $150 | $23 | $173 | 0.73% |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 116 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 110 | $89K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 110 | $89K |
| Life insurance | THE PAUL REVERE LIFE INSURANCE COMPANY | 252 | $24K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 116 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.