| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: HAYLOR, FREYER & COON, INC. | 231 SALINA MEADOWS PARKWAY P.O. BOX 4743 SYRACUSE, NY 132214743 | INDEPENDENT HEALTH BENEFITS CORPORATION | $75K | — | $75K | 2.44% |
| ACRISURE LLC3 Filed as: HAYLOR FREYER & COON INC. | 231 SALINA MEADOWS SYRACUSE, NY 13221 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $6K | $12K | 7.08% |
| ACRISURE LLC3 Filed as: HAYLOR FREYER & COON INC. | 231 SALINA MEADOWS SYRACUSE, NY 13221 | SUN LIFE AND HEALTH INSURANCE COMPANY | $11K | — | $11K | 7.66% |
| ACRISURE LLC3 Filed as: HAYLOR FREYER & COON INC. | 300 SOUTH STATE STREET SUITE 1000 P.O. BOX 4743 SYRACUSE, NY 13221 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $5K | $12K | 9.27% |
| RONALD L ROSENBERG3 | 1001 REEDS LANE FAR ROCKAWAY, NY 11691 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.93% |
| CFS MONTCLAIR LLC3 | 103 EISENHOWER PARKWAY ROSELAND, NJ 07068 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19 | — | $19 | 0.07% |
| CERTIFIED FINANCIAL SERVICES3 | 51 FOREST AVENUE PARAMUS, NJ 07652 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6 | — | $6 | 0.02% |
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 | 682 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 686 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENT HEALTH BENEFITS CORPORATION | 333 | $3.1M |
| Dental(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 324 | $197K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 324 | $171K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 240 | $164K |
| Short-term disability(3 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 773 | $288K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 240 | $164K |
| Other(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 240 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 773 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.