| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BURNHAM FINANCIAL SERVICES, LLC3 | 2038 SARANAC AVE. LAKE PLACID, NY 12946 | EXCELLUS BCBS | $621K | — | $621K | 3.24% |
| JEFFREY P. BURNHAM3 | 2038 SARANAC AVE LAKE PLACID, NY 12946 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $56K | — | $56K | 4.51% |
| BURNHAM FINANCIAL SERVICES, LLC3 Filed as: BURNHAM FINANCIAL SERVICES | 2038 SARANAC AVE LAKE PLACID, NY 12946 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $22K | $22K | 1.76% |
| BURNHAM FINANCIAL SERVICES, LLC3 Filed as: BURNHAM FINANCIAL SERVICE, LLC | 2038 SARANAC AVE. LAKE PLACID, NY 129461177 | METROPOLITAN LIFE INSURANCE COMPANY | $91K | — | $91K | 11.08% |
| JEFFREY P. BURNHAM3 | 2038 SARANAC AVE. LAKE PLACID, NY 129461177 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 10.00% |
| BURNHAM FINANCIAL SERVICES, LLC3 Filed as: BURNHAM FINANCIAL SERVICES | 2038 SARANAC AVE. LAKE PLACID, NY 129461177 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 3.67% |
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 | 1,155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BCBS | 1,030 | $19.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,167 | $1.2M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,167 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,167 | $2.1M |
| Short-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,167 | $1.4M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,167 | $1.2M |
| Prescription drug | EXCELLUS BCBS | 1,030 | $19.1M |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,167 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,167 | — |
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.