No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ROSE & KIERNAN, INC. EIN 14-1559111 NONE | Consulting (general) Service code 16 | 99 TROY RD. EAST GREENBUSH, NY 12061 | $45K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 26-4310632 NONE | Securities brokerage commissions and fees; Securities brokerage; Direct payment from the plan; Investment advisory (plan); Other investment fees and expenses Service code 27 | 1448 BALLTOWN RD. NISKAYUNA, NY 12309 | $40K |
| MARVIN AND COMPANY, P.C. EIN 14-1567343 NONE | Accounting (including auditing) Service code 10 | 11 BRITISH AMERICAN BLVD. LATHAM, NY 12110 | $28K |
| DELTA DENTAL OF NEW YORK, INC. EIN 11-1980218 NONE | Claims processing Service code 12 | ONE DELTA DRIVE MECHANICSBURG, PA 170556999 | $21K |
| JAMES M. SHEPPARD, CPA EIN 14-1753226 NONE | Accounting (including auditing) Service code 10 | 21 EVERETT ROAD EXTENSION ALBANY, NY 12205 | $18K |
| POZEFSKY, BRAMLEY & MURPHY EIN 14-1601487 NONE | Legal Service code 29 | 90 STATE STREET ALBANY, NY 12207 | $12K |
| HARBRIDGE CONSULTING GROUP EIN 30-0192194 NONE | Actuarial Service code 11 | ONE LINCOLN CENTER SYRACUSE, NY 13202 | $10K |
| JAEGER & FLYNN ASSOCIATES EIN 14-1747264 NONE | Insurance agents and brokers Service code 22 | 30 CORPORATE DRIVE CLIFTON PARK, NY 12065 | $9K |
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 | 348 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 157 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 505 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HEALTHNOW NY INC DBA BLUE CROSS BLUE SHIELD OF WESTERN NY | 981 | $4.3M |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 361 | $95K |
| Short-term disability | THE UNION LABOR LIFE INSURANCE COMPANY | 361 | $95K |
| Prescription drug(2 contracts) | HEALTHNOW NY INC DBA BLUE CROSS BLUE SHIELD OF WESTERN NY | 981 | $4.3M |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 361 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 981 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.