| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE GEORGE L. WLADIS COMPANY, INC.3 Filed as: GEORGE M CHRISOGONOU | FINANCIAL FOUNDATIONS 620 ERIE BLVD W 312 STE 110 SYRACUSE, NY 13204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 5.11% |
| ALEXANDER P. HENN3 Filed as: ALEXANDER P HENN | 4646 RING NECKED PATH MANLIUS, NY 13104 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $67 | — | $67 | 0.05% |
| ANDREW W. WHALEN3 Filed as: ANDREW W WHALEN | 6722 SERAH L SUITE 1900 JAMESVILLE, NY 13078 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $67 | — | $67 | 0.05% |
| R. ANDREW HAGEN3 Filed as: R ANDREW HAGEN | 25 LEITCH AVENUE SKANEATELES, NY 13152 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $63 | — | $63 | 0.05% |
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 | 454 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 454 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 464 | $131K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 464 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 464 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.