| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 | 14 BUSINESS PARK DR 8 BRANFORD, CT 06405 | ANTHEM HEALTH PLANS, INC | $6K | — | $6K | 2.10% |
| JEFFREY CHAPMAN3 | 308 MALTBIE ST, STE 101 SYRACUSE, NY 13204 | HARTFORD LIFE AND ACCIDENT | $16K | — | $16K | 8.00% |
| MERITAIN HEALTH3 | 300 CORPORATE PARKWAY AMHERST, NY 14226 | HCC LIFE INSURANCE COMPANY | $314 | — | $314 | 0.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SULLIVAN, WARD, ASHER & PATTON, P.C EIN 38-1880608 NONE | Legal; Direct payment from the plan Service code 29 | — | $214K |
| MERITAIN HEALTH EIN 16-1264154 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $189K |
| RICHARD PAGANO EIN 13-3319782 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $74K |
| BONADIO & CO., LLP EIN 16-1131146 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $71K |
| SCHULTHEIS & PANETTIERI LLP EIN 13-1577780 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $64K |
| ANNE MARIE IORILLO EIN 13-3319782 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $40K |
| TONYA FELTON EIN 13-3319782 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $39K |
| EXPRESS SCRIPTS, INC. EIN 22-3461740 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $24K |
| AETNA INC EIN 06-6033492 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $22K |
| EMPIRE HEALTHCHOICE HMO, INC EIN 13-3874803 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $20K |
| SELE-DENT INC EIN 11-3310187 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $17K |
| YUCATECH, INC EIN 20-2390560 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $16K |
| LOWER HUDSON VALLEY EAP EIN 13-3240307 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $14K |
| ANTHEM HEALTH PLANS, INC EIN 06-1475928 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $13K |
| MORGAN STANLEY SMITH BARNEY, LLC EIN 20-8764829 NONE | Investment advisory (plan); Other investment fees and expenses; Direct payment from the plan; Securities brokerage commissions and fees; Securities brokerage; Custodial (securities) Service code 19 | — | $12K |
| CALIBRE CPA GROUP, PLLC EIN 47-0900880 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $12K |
| T.P.A. CONSULTING SERVICES, INC EIN 81-1341202 NONE | Consulting fees; Other commissions Service code 55 | — | $11K |
| CLAIRMONT ADVISORS, LLC EIN 46-5603232 NONE | Legal; Direct payment from the plan Service code 29 | — | $10K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Actuarial; Consulting fees Service code 11 | — | $9K |
| H.J. KNIGHT INTERNATIONAL EIN 04-2960092 NONE | Insurance services; Insurance brokerage commissions and fees Service code 23 | — | $8K |
| MORGAN STANLEY SMITH BARNEY LLC | Other fees; Other services Service code 49 | — | $0 |
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 | 465 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 313 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 778 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE HMO, INC. | 41 | $1.0M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 744 | $201K |
| Prescription drug(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE HMO, INC. | 41 | $1.0M |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 465 | $126K |
| Other | HARTFORD LIFE AND ACCIDENT | 744 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 744 | — |
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.