| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 400 GALLERIA PARKWWAY SUITE 300 ATLANTA, GA 30339 | EXCELLUS BLUE CROSS BLUE SHIELD | $91K | $0 | $91K | 2.82% |
| THE GEORGE L. WLADIS COMPANY, INC.3 Filed as: GEORGE M. CHRISOGONOU | 620 ERIE BOULEVARD WEST, 312 SUITE 110 SYRACUSE, NY 13204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 2.07% |
| ALEXANDER P. HENN3 | 4646 RING NECKED PATH MANLIUS, NY 13104 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 0.70% |
| ANDREW W. WHALEN3 | 6722 SERAH L, SUITE 1900 JAMESVILLE, NY 13078 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 0.70% |
| R. ANDREW HAGEN3 Filed as: R, ANDREW HAGEN | 25 LEITH AVENUE SKANEATELES, NY 13152 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 0.66% |
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 | 341 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 26 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 350 | $3.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 502 | $661K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 502 | $661K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 502 | $661K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 502 | $661K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 350 | $3.2M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 502 | $661K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 502 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.