| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HJ KNIGHT INTERNATIONAL3 Filed as: HJ KNIGHT INT'L INSURANCE SERVICES | 30 BRAINTREE HILL OFFICE PARK SUITE BRAINTREE, MA 02184 | UNION LABOR LIFE INSURANCE CO. | $2K | — | $2K | 2.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MVP SELECT CARE INC EIN 14-1704347 NONE | Claims processing; Contract Administrator Service code 12 | 625 STATE STREET SCHENECTADY, NY 12305 | $222K |
| STEPHEN O'SICK EIN 14-1461803 EMPLOYEE | Plan Administrator; Employee (plan) Service code 14 | 300 CENTRE DRIVE ALBANY, NY 12203 | $87K |
| TEAL BECKER & CHIARAMONTE CPAS PC EIN 14-1624930 NONE | Accounting (including auditing) Service code 10 | 7 WASHINGTON SQUARE ALBANY, NY 12205 | $84K |
| BLITMAN & KING EIN 16-1047304 NONE | Legal Service code 29 | 443 NORTH FRANKLIN STREET SYRACUSE, NY 13204 | $59K |
| MARIE GRAY EIN 14-1461803 EMPLOYEE | Employee (plan) Service code 30 | 300 CENTRE DRIVE ALBANY, NY 12203 | $56K |
| MEGHAN LEFSYK EIN 14-1461803 EMPLOYEE | Employee (plan) Service code 30 | 300 CENTRE DRIVE ALBANY, NY 12203 | $50K |
| MILLIMAN USA EIN 91-0675641 NONE | Actuarial Service code 11 | — | $50K |
| MICHELE DOUGHTIE EIN 14-1461803 EMPLOYEE | Employee (plan) Service code 30 | 300 CENTRE DRIVE ALBANY, NY 12203 | $47K |
| LISA WALLIN EIN 14-1461803 EMPLOYEE | Employee (plan) Service code 30 | 300 CENTRE DRIVE ALBANY, NY 12203 | $40K |
| KARPUS INVESTMENT MANAGEMENT EIN 16-1290558 NONE | Soft dollars commissions; Investment management fees paid directly by plan Service code 51 | 183 SULLYS TRAIL PITTSFORD, NY 14534 | $36K |
| BILL MCDANIEL EIN 14-1461803 EMPLOYEE | Employee (plan) Service code 30 | 300 CENTRE DRIVE ALBANY, NY 12203 | $30K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 26-4310632 NONE | Other investment fees and expenses; Other commissions; Direct payment from the plan; Custodial (securities); Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Investment advisory (plan); Securities brokerage; Recordkeeping fees; Other fees Service code 15 | — | $26K |
| MANNING & NAPIER EIN 45-3328488 NONE | Investment management Service code 28 | 290 WOODCLIFF DR FAIRPORT, NY 14450 | $17K |
| EXPRESS SCRIPTS, INC. EIN 22-3461740 NONE | Contract Administrator; Claims processing Service code 12 | — | $10K |
| JOSEPH W. MCCARTHY & ASSOCS. EIN 16-1120588 NONE | Accounting (including auditing) 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 | 435 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 471 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNION LABOR LIFE INSURANCE CO. | 689 | $61K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 509 | $209K |
| Other | UNION LABOR LIFE INSURANCE CO. | 689 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 689 | — |
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.