| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE GEORGE L. WLADIS COMPANY, INC.3 Filed as: GEORGE L. WLADIS COMPANIES, INC. | 528 PLUM COURT SUITE 250 SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS/BLUE SHIELD | $80K | — | $80K | 3.19% |
| THE GEORGE L. WLADIS COMPANY, INC.3 Filed as: GEORGE L. WLADIS COMPANIES, INC. | 528 PLUM STREET SUITE 25 SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS/BLUE SHIELD | $8K | — | $8K | 4.93% |
| THE GEORGE L. WLADIS COMPANY, INC.3 Filed as: THE GEORGE L. WLADIS CO | 528 PLUM COURT SUITE 250 SYRACUSE, NY 13204 | GUARDIAN | $8K | $3K | $10K | 16.35% |
| HOWARD J. ELIAS, INC.3 | 355 LEXINGTON AVE 9TH FLOOR NEW YORK, NY 10017 | GUARDIAN | $38 | — | $38 | 0.06% |
| THE GEORGE L. WLADIS COMPANY, INC.3 Filed as: GEORGE L. WLADIS COMPANIES, INC. | 528 PLUM COURT SUITE 250 SYRACUSE, NY 13204 | SUN LIFE INSURANCE AND ANNUITY COMPANY OF NEW YORK | $407 | — | $407 | 7.00% |
| MEDICAL GROUP INSURANCE SERVICES3 Filed as: MEDICAL GROUP INSURANCE SERVICES, I | 1849 WEST NOTRTH TEMPLE SALT LAKE CITY, UT 84116 | SUN LIFE INSURANCE AND ANNUITY COMPANY OF NEW YORK | $195 | — | $195 | 3.35% |
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 | 303 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS/BLUE SHIELD | 231 | $2.5M |
| Dental | EXCELLUS BLUE CROSS/BLUE SHIELD | 240 | $172K |
| Life insurance | SUN LIFE INSURANCE AND ANNUITY COMPANY OF NEW YORK | 303 | $6K |
| Long-term disability | GUARDIAN | 108 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.