| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UPSTATE FINANCIAL SERVICES3 | 2105 WEST GENESEE ST., SUITE 212 SYRACUSE, NY 13219 | MVP HEALTH CARE | $18K | — | $18K | 4.07% |
| UPSTATE FINANCIAL SERVICES3 | 2105 WEST GENESEE ST., SUITE 212 SYRACUSE, NY 13219 | EXCELLUS BLUECROSS BLUESHIELD PLAN | $4K | — | $4K | 2.87% |
| THE ARGIRO GROUP INC. | 6159 E MOLLOY ROAD EAST SYRACUSE, NY 13507 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 9.35% |
| ALLIANCE ADVISORY GRP INC Filed as: ALLIANCE ADVISORY GROUP, INC. | 600 DELAWARE AVE BUFFALO, NY 14202 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28 | — | $28 | 0.18% |
| THE ARGIRO GROUP INC.3 | 2105 WEST GENESEE ST., SUITE 212 SYRACUSE, NY 13219 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $940 | — | $940 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| D'ARCANGELO & CO., LLP EIN 13-2550103 NONE | Accounting (including auditing) Service code 10 | 120 LOMOND COURT UTICA, NY 13502 | $11K |
| BLITMAN & KING, LLP EIN 16-1047304 NONE | Legal Service code 29 | 443 NORTH FRANKLIN STREET SYRACUSE, NY 13204 | $10K |
| CADARET GRANT NONE | Custodial (securities) Service code 19 | ONE LINCOLN CENTER SYRACUSE, NY 13202 | $5K |
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 | 281 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 119 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MVP HEALTH CARE | 52 | $566K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 16 | $9K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 71 | $15K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD PLAN | 15 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 71 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.