| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEGHAN CORNISH3 | 135 IDLEWOOD BLVD BALDWINSVILLE, NY 13027 | THE UNION LABOR LIFE INSURANCE COMPANY | $18K | $0 | $18K | 10.00% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 | 14 BUSINESS PARK DR 8 BRANFORD, CT 06405 | ANTHEM HEALTH PLANS, INC | $3K | $5K | $8K | 4.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $354K |
| SCHULTHEIS & PANETTIERI, LLP EIN 13-1577780 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $171K |
| RICHARD PAGANO EIN 13-1739693 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $133K |
| SULLIVAN,WARD,PATTON,GLEESON,PC EIN 38-1880608 NONE | Legal; Direct payment from the plan Service code 29 | — | $101K |
| ANNE MARIE IORILLO EIN 13-1739693 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $67K |
| TONYA FELTON EIN 13-1739693 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $67K |
| SHEA WESTLAKE EIN 13-1739693 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $46K |
| YUCATECH, INC EIN 20-2390560 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $27K |
| SELE-DENT INC EIN 11-3310187 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $18K |
| LOWER HUDSON VALLEY EAP EIN 13-3240307 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $15K |
| MORGAN STANLEY SMITH BARNEY, LLC EIN 20-8764829 NONE | Custodial (securities); Investment advisory (plan); Other services; Other fees; Direct payment from the plan; Other investment fees and expenses Service code 19 | — | $13K |
| RXBENEFITS, INC EIN 63-1157085 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $10K |
| MARVIN AND COMPANY, P.C. EIN 14-1567343 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $9K |
| THE SEGAL COMPANY (EASTERN STATES), EIN 13-1835864 NONE | Direct payment from the plan; Consulting fees; Actuarial Service code 11 | — | $9K |
| THE HILB GROUP OF NEW ENGLAND EIN 47-4324398 NONE | Insurance brokerage commissions and fees Service code 53 | — | $8K |
| DATA RESEARCH GROUP CORP EIN 20-3223476 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $7K |
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 | 495 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 290 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 785 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE HMO, INC. | 41 | $946K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 795 | $181K |
| Prescription drug(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE HMO, INC. | 41 | $946K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 511 | $183K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 795 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 795 | — |
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.