| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS Filed as: AP BENEFIT ADVISORS LLC DBA ENV INS | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | THE UNION LABOR LIFE INSURANCE COMPANY | $7K | $5K | $13K | 3.55% |
| P BENEFIT ADVISORS, LLC3 | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $5K | $5K | 3.54% |
| AP BENEFIT ADVISORS, LLC3 | 7789 OSWEGO RD LIVERPOOL, NY 13090 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $3K | $3K | 3.19% |
| AP BENEFIT ADVISORS, LLC3 | 7789 OSWEGO RD LIVERPOOL, NY 13090 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $3K | $3K | 3.41% |
| AP BENEFIT ADVISORS, LLC3 | 7789 OSWEGO RD LIVERPOOL, NY 13090 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $859 | $859 | 3.12% |
| AP BENEFIT ADVISORS, LLC3 | 7789 OSWEGO RD LIVERPOOL, NY 13090 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | $375 | $2K | 12.85% |
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 | 328 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP OF NEW YORK | 853 | $295K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 681 | $106K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 328 | $353K |
| Other(7 contracts) | MUTUAL OF OMAHA INSURANCE COMPANY | 681 | $378K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 853 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.