| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AFS AGENCY3 | 185 GENESEE STREET, 2ND FLOOR UTICA, NY 13501 | EXCELLUS BLUECROSS BLUESHIELD | $105K | — | $105K | 2.53% |
| MICHAEL DAMSKY3 | 2113 GENESEE STREET UTICA, NY 13501 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 10.24% |
| AFS AGENCY3 | 185 GENESEE STREET, 2ND FLOOR UTICA, NY 13501 | HM LIFE INSURANCE CO. OF NY | $2K | — | $2K | 10.00% |
| MICHAEL DAMSKY3 | 2113 GENESEE STREET UTICA, NY 13501 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 364 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 86 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 87 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 537 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | EXCELLUS BLUECROSS BLUESHIELD | 349 | $4.5M |
| Dental | DELTA DENTAL OF NEW YORK | 229 | $150K |
| Vision | HM LIFE INSURANCE CO. OF NY | 175 | $21K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 41 | $16K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 435 | $36K |
| Prescription drug(2 contracts) | EXCELLUS BLUECROSS BLUESHIELD | 349 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 435 | — |
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.