| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 2038 SARANAC AVE LAKE PLACID, NY 12946 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $57K | $22K | $80K | 5.19% |
| BURNHAM FINANCIAL SERVICES, LLC3 | 2038 SARANAC AVE LAKE PLACID, NY 12946 | STANDARD INSURANCE COMPANY | $91K | — | $91K | 7.62% |
| BURNHAM FINANCIAL SERVICES, LLC3 | 2038 SARANAC AVE. LAKE PLACID, NY 12946 | EXCELLUS BCBS | $257K | — | $257K | 27.39% |
| REMEDYONE CONSULTING, INC.3 | 10 FRONT STREET, SUITE 102 COLLINSVILLE, CT 06022 | EXCELLUS BCBS | $28K | — | $28K | 2.94% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 2038 SARANAC AVE. LAKE PLACID, NY 129461177 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24K | $9K | $33K | 13.96% |
| BURNHAM FINANCIAL SERVICES, LLC3 | 2038 SARANAC AVE LAKE PLACID, NY 12946 | AMERITAS LIFE INSURANCE CORP. | $19K | — | $19K | — |
| MARK L. CRAWFORD3 | 2038 SARANAC AVE. LAKE PLACID, NY 129461177 | AMERITAS LIFE INSURANCE CORP. | — | $13K | $13K | — |
| BURNHAM FINANCIAL SERVICES, LLC3 | 2038 SARANAC AVE LAKE PLACID, NY 12946 | SUNLIFE ASSURANCE COMPANY OF CANADA | $31K | — | $31K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHSCOPE EIN 71-0847266 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $854K |
| EXCELLUS BLUE CROSS BLUE SHIELD EIN 15-0329043 NONE | Claims processing Service code 12 | — | $808K |
| AMERITAS LIFE INSURANCE CORP. EIN 47-0098400 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $72K |
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 | 1,831 | 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) | 1,831 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,234 | $1.5M |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,234 | $1.5M |
| Life insurance | STANDARD INSURANCE COMPANY | 1,831 | $1.2M |
| Short-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,234 | $1.8M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,234 | $1.5M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | EXCELLUS BCBS | 1,089 | $939K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 539 | $235K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,831 | — |
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.