| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE GEORGE L. WLADIS COMPANY, INC.3 Filed as: THE GEORGE L. WLADIS COMPANIES, INC | 528 PLUM COURT SUITE 250 SYRACUSE, NY 13204 | EXCELLUS BLUECROSS BLUESHIELD | $34K | — | $34K | 3.26% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 400 GALLERIA PARKWAY SUITE 300 ATLANTA, GA 30339 | EXCELLUS BLUECROSS BLUESHIELD | $10K | — | $10K | 0.97% |
| DIGITAL INSURANCE LLC3 | 528 PLUM CT SYRACUSE, NY 13204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $4K | $8K | 9.86% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $576 | — | $576 | 0.75% |
| THE GEORGE L. WLADIS COMPANY, INC.3 Filed as: THE GEORGE L. WLADIS COMPANY INC. | 528 PLUM COURT SYRACUSE, NY 13204 | SUN LIFE INSURANCE AND ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 8.00% |
| MGIS3 | 111 SOUTH MAIN STREET SUITE 400 SALT LAKE CITY, UT 841112176 | SUN LIFE INSURANCE AND ANNUITY COMPANY OF NEW YORK | — | $105 | $105 | 0.25% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 6.67% |
| DERRENBACKER, PETER L3 | PO BOX 4718 SYRACUSE, NY 132214718 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 6.67% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $1K | $3K | 14.51% |
| HOWARD J. ELIAS, INC.3 Filed as: HOWARD J. ELIAS, INC | 355 LEXINGTON AVE 9 FL NEW YORK, NY 10017 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15 | — | $15 | 0.06% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| THE GEORGE L. WLADIS COMPANY, INC.3 Filed as: THE GEORGE L. WLADIS COMPANY INC. | 528 PLUM COURT SYRACUSE, NY 13204 | SUN LIFE INSURANCE COMPANY AND ANNUITY COMPANY OF NEW YORK | $492 | — | $492 | 8.01% |
| MGIS3 | 111 SOUTH MAIN STREET SUITE 400 SALT LAKE CITY, UT 841112176 | SUN LIFE INSURANCE COMPANY AND ANNUITY COMPANY OF NEW YORK | — | $105 | $105 | 1.71% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $487 | — | $487 | 11.13% |
| HOWARD J. ELIAS, INC.3 Filed as: HOWARD J. ELIAS, INC | 355 LEXINGTON AVE 9 FL NEW YORK, NY 10017 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4 | — | $4 | 0.09% |
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 | 169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 100 | $1.0M |
| Dental(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $100K |
| Life insurance(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $100K |
| Short-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 132 | $18K |
| Long-term disability(3 contracts, 3 carriers) | SUN LIFE INSURANCE AND ANNUITY COMPANY OF NEW YORK | 103 | $72K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 100 | $1.0M |
| Other(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.