| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AGRISERVICES AGENCY3 Filed as: AGRISERVICES AGENCY LLC | 5001 BRITTONFIELD PARKWAY EAST SYRACUSE, NY 13057 | MVP HEALTHCARE | $10K | — | $10K | 2.82% |
| AGRISERVICES AGENCY3 | 5001 BRITTONFIELD PARKWAY EAST SYRACUSE, NY 13057 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | — | $18K | 10.06% |
| AGRISERVICES AGENCY3 | 5001 BRITTONFIELD PARKWAY SYRACUSE, NY 13057 | AMERITAS LIFE INSURANCE CORP | $9K | — | $9K | 6.00% |
| AGRISERVICES AGENCY3 | PO BOX 4910 EAST SYRACUSE, NY 13221 | HARTFORD LIFE AND ACCIDENT | $17K | — | $17K | 15.00% |
| ASSOCIATED INS & FINANCIAL SERVICES3 | 28 MAIN STREET PO BOX 327 TOWANDA, PA 18848 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 13.50% |
| AGRISERVICES AGENCY3 | 5001 BRITTONFIELD PARKWAY EAST SYRACUSE, NY 13057 | CIGNA LIFE INSURANCE CO OF NEW YORK | $533 | $107 | $640 | 18.00% |
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 | 4,428 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 1,298 | $39.4M |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP | 415 | $168K |
| Vision | AMERITAS LIFE INSURANCE CORP | 385 | $144K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 194 | $212K |
| Prescription drug(9 contracts) | EXCELLUS BLUE CROSS BLUE SHIELD | 1,298 | $39.0M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,768 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,768 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.