| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHELLE ALLETZHAUSER3 | 8306 ANGLERS CLUB CICERO, NY 13039 | EXCELLUS BLUECROSS BLUESHIELD PLAN | $25K | — | $25K | 2.23% |
| THOMAS M. HANLEY3 Filed as: THOMAS M HANLEY | 108 WEST JEFFERSON ST SYRACUSE, NY 13202 | EXCELLUS BLUECROSS BLUESHIELD PLAN | $21K | — | $21K | 1.84% |
| THOMAS M. HANLEY3 Filed as: THOMAS M HANLEY | 108 W JEFFERSON ST SYRACUSE, NY 13202 | DELTA DENTAL OF NEW YORK | $533 | $4K | $5K | 21.42% |
| MICHELLE ALLETZHAUSER3 | 8306 ANGLERS CLUB CICERO, NY 13039 | DELTA DENTAL OF NEW YORK | $84 | — | $84 | 0.37% |
| THOMAS M. HANLEY3 Filed as: THOMAS M HANLEY | 200 WOODLAWN TERRACE SYRACUSE, NY 13203 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 9.50% |
| MICHELLE ALLETZHAUSER | 8306 ANGLERS CLUB CICERO, NY 13039 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $415 | — | $415 | 3.17% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP, INC. | 600 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
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 | 118 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD PLAN | 118 | $1.1M |
| Dental | DELTA DENTAL OF NEW YORK | 0 | $23K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 91 | $13K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 91 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.