| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT SERVICES GROUP, INC.3 | 142 ARCADE ST WATERTOWN, NY 13601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $67K | — | $67K | 10.00% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GROUP INC | 600 DELAWARE AVENUE BUFFALO, NY 14202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $423 | — | $423 | 0.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| POMCO, INC. EIN 15-0581348 NONE | Claims processing Service code 12 | 2425 JAMES STREET SYRACUSE, NY 13206 | $188K |
| PINTO MUCENSKI HOOPER VANHOUSE & CO EIN 16-1207215 NONE | Accounting (including auditing) Service code 10 | 42 MARKET STREET POTSDAM, NY 13676 | $6K |
| POMCOPLUS, LLC EIN 45-0482796 NONE | Insurance services Service code 23 | 2425 JAMES STREET SYRACUSE, NY 13206 | $0 |
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 | 331 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 340 | $673K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.