| 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 | $4K | $147 | $4K | 1.87% |
| MEGAN P CORNISH3 | 135 IDLEWOOD BLVD BALDWINSVILLE, NY 13027 | THE UNION LABOR LIFE INSURANCE COMPANY | $18K | $0 | $18K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $277K |
| SULLIVAN, WARD, ASHER & PATTON, PC EIN 38-1880608 NONE | Legal; Direct payment from the plan Service code 29 | — | $259K |
| RICHARD PAGANO EIN 13-1739693 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $76K |
| SCHULTHEIS & PANETTIERI LLP EIN 13-1577780 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $50K |
| ANNE MARIE IORILLO EIN 13-1739693 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $41K |
| TONYA FELTON EIN 13-1739693 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $40K |
| YUCATECH, INC EIN 20-2390560 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $20K |
| BONADIO & CO, LLP EIN 16-1131146 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $18K |
| SELE-DENT INC EIN 11-3310187 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $17K |
| O'SULLIVAN ASSOCIATES EIN 20-8199367 NONE | Actuarial; Direct payment from the plan; Consulting fees Service code 11 | — | $16K |
| LOWER HUDSON VALLEY EAP EIN 13-3240307 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $14K |
| MORGAN STANLEY SMITH BARNEY, LLC EIN 26-4310632 NONE | Direct payment from the plan; Securities brokerage; Other services; Other fees; Securities brokerage commissions and fees; Custodial (securities); Investment advisory (plan); Other investment fees and expenses Service code 19 | — | $12K |
| EMPIRE HEALTHCHOICE HMO, INC EIN 13-3874803 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $10K |
| ANTHEM HEALTH PLANS, INC EIN 06-1475928 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $9K |
| RXBENEFITS, INC. EIN 63-1157085 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $9K |
| THE SEGAL COMPANY, INC. EIN 13-1835864 NONE | Consulting fees; Direct payment from the plan; Actuarial Service code 11 | — | $9K |
| H.J. KNIGHT INTERNATIONAL EIN 04-2960092 NONE | Insurance brokerage commissions and fees Service code 53 | — | $8K |
| MARVIN AND COMPANY, P.C. EIN 14-1567343 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $6K |
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 | 488 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 300 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 788 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE HMO, INC. | 35 | $896K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 747 | $178K |
| Prescription drug(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE HMO, INC. | 35 | $896K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 488 | $155K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 747 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 747 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.