| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEGHAN CORNISH3 Filed as: MEGHAN P. CORNISH | 135 IDLEWOOD BLVD BALDWINSVILLE, NY 13027 | THE UNION LABOR LIFE INSURANCE COMPANY | $18K | — | $18K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $485K |
| FRANK PERRI EIN 13-1739693 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $155K |
| ASHER KELLY PLLC EIN 84-3379113 NONE | Legal; Direct payment from the plan Service code 29 | — | $97K |
| SCHULTHEIS & PANETTIERI, LLP EIN 13-1577780 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $86K |
| SAVE ON SP LLC EIN 47-3603390 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $85K |
| SHEA WESTLAKE EIN 13-1739693 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $75K |
| ANNE MARIE IORILLO EIN 13-1739693 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $73K |
| STACEY L JOHNSON EIN 13-1739693 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $43K |
| RXBENEFITS, INC. EIN 63-1157085 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $31K |
| TONYA FELTON EIN 13-1739693 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $23K |
| THE HILB GROUP OF NEW ENGLAND EIN 47-4324398 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $18K |
| TECHBOX INC. EIN 20-3223476 INFORMATION TECHNOLOGY | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $16K |
| SELE-DENT INC EIN 11-3310187 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $16K |
| MORGAN STANLEY SMITH BARNEY, LLC EIN 11-3658445 NONE | Other investment fees and expenses; Other services; Investment advisory (plan); Securities brokerage commissions and fees; Securities brokerage; Custodial (securities); Direct payment from the plan; Other fees Service code 19 | — | $15K |
| LOWER HUDSON VALLEY EAP EIN 13-3240307 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $12K |
| M&T BANK NONE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | 14 SOUTH MOGER AVENUE MOUNT KISCO, NY 10549 | $11K |
| THE SEGAL COMP (EASTERN STATES),INC EIN 13-1835864 NONE | Direct payment from the plan; Consulting fees; Actuarial Service code 11 | — | $9K |
| YUCATECH, INC. EIN 20-2390560 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $8K |
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 | 423 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 342 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 765 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 716 | $181K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 502 | $317K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 716 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 716 | — |
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."
No prospect flags tripped on this filing.