| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN NY SYRACUSE | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | UNITEDHEALTHCARE INSURANCE COMPANY | $49K | — | $49K | 3.72% |
| DALLAS INSURANCE EXCHANGE II INC3 Filed as: DALLAS INSURANCE EXCHANGE | 15660 DALLAS PKWY STE 500 LB 60 DALLAS, TX 75248 | UNITEDHEALTHCARE INSURANCE COMPANY | — | -$101 | -$101 | -0.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 675382 DALLAS, TX 75267 | UNITEDHEALTHCARE INSURANCE COMPANY | -$1K | $17 | -$1K | -0.11% |
| BROWN & BROWN INSURANCE SERVICES3 | 500 PLUM ST STE 200 SYRACUSE, NY 13204 | GUARDIAN | $25K | $2K | $27K | 15.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | — | GUARDIAN | — | $3K | $3K | 1.46% |
| WAG NY INC3 | — | GUARDIAN | $109 | — | $109 | 0.06% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 671 | $1.3M |
| Vision | GUARDIAN | 124 | $176K |
| Life insurance | GUARDIAN | 124 | $176K |
| Short-term disability | GUARDIAN | 124 | $176K |
| Long-term disability | GUARDIAN | 124 | $176K |
| Other | GUARDIAN | 124 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 671 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.