| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: HAYLOR FREYER & COON INC | 231 SALINA MEADOWS PKWY SUITE 200 SYRACUSE, NY 132124567 | MVP HEALTH CARE | $52K | — | $52K | 3.75% |
| ACRISURE LLC3 Filed as: HAYLOR FREYER & COON INC | 231 SALINA MEADOWS PKWY SUITE 200 SYRACUSE, NY 132124567 | DELTA DENTAL OF NEW YORK, INC | $4K | — | $4K | 5.00% |
| ACRISURE LLC3 Filed as: HAYLOR FREYER & COON INC | 231 SALINA MEADOWS PKWY SUITE 200 SYRACUSE, NY 132124567 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 7.15% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 S 3RD ST, STE 800 COLUMBUS, OH 432155194 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.84% |
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 | 163 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTH CARE | 197 | $1.4M |
| Dental | DELTA DENTAL OF NEW YORK, INC | 241 | $87K |
| Vision | MVP HEALTH CARE | 197 | $1.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 163 | $71K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 163 | $71K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 163 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.