| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEGHAN CORNISH3 | 135 IDLEWOOD BLVD BALDWINSVILLE, NY 13027 | THE UNION LABOR LIFE INSURANCE COMPANY | $19K | — | $19K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $361K |
| RICHARD PAGANO EIN 13-1739693 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $149K |
| SCHULTHEIS & PANETTIERI, LLP EIN 13-1577780 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $108K |
| ANNE MARIE IORILLO EIN 13-1739693 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $73K |
| ASHER KELLY PLLC EIN 84-3379113 NONE | Legal; Direct payment from the plan Service code 29 | — | $72K |
| SHEA WESTLAKE EIN 13-1739693 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $71K |
| TONYA FELTON EIN 13-1739693 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $68K |
| SAVE ON SP LLC EIN 47-3603390 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $64K |
| RXBENEFITS, INC. EIN 63-1157085 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $30K |
| SELE-DENT INC EIN 11-3310187 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $15K |
| THE HILB GROUP OF NEW ENGLAND EIN 47-4324398 NONE | Insurance brokerage commissions and fees; Direct payment from the plan Service code 50 | — | $14K |
| MORGAN STANLEY SMITH BARNEY, LLC EIN 20-8764829 NONE | Other investment fees and expenses; Custodial (securities); Other fees; Investment advisory (plan); Other services Service code 19 | — | $14K |
| 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 | — | $14K |
| LOWER HUDSON VALLEY EAP EIN 13-3240307 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $10K |
| THE SEGAL COMP (EASTERN STATES),INC EIN 13-1835864 NONE | Direct payment from the plan; Actuarial; Consulting fees Service code 11 | — | $9K |
| PEOPLE'S UNITED BANK, N.A. NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | 80 ROUTE 6 BALDWIN PLACE, NY 10505 | $8K |
| FRANK PERRI EIN 13-1739693 NONE | Direct payment from the plan; Trustee (individual) Service code 20 | — | $7K |
| YUCATECH, INC EIN 20-2390560 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $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 | 404 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 333 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 737 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 739 | $192K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 482 | $285K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 739 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 739 | — |
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.