| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $2K | $0 | $2K | 1.63% |
| ALEXANDER P. HENN3 | 4646 RING NECKED PATH MANLIUS, NY 13104 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $708 | $0 | $708 | 0.55% |
| ANDREW W. WHALEN3 | 6722 SERAH L, SUITE 1900 JAMESVILLE, NY 13078 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $708 | $0 | $708 | 0.55% |
| R. ANDREW HAGEN3 | 25 LEITH AVENUE SKANEATELES, NY 13152 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $666 | $0 | $666 | 0.52% |
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 | 509 | 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) | 509 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 502 | $128K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 502 | $128K |
| 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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.