| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UPSTATE FINANCIAL SERVICES | 2105 WEST GENESEE STREET, SUITE 115 SYRACUSE, NY 13219 | UNION LABOR LIFE INSURANCE COMPANY | $5K | — | $5K | 4.14% |
| ENV INSURANCE AGENCY LLC Filed as: ENV INSURANCE AGENCY, LLC | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | UNION LABOR LIFE INSURANCE COMPANY | $4K | — | $4K | 2.86% |
| UPSTATE FINANCIAL SERVICES | 1031 W. GENESEE STREET, SUITE 100 SYRACUSE, NY 13204 | AMALGAMATED LIFE | $2K | — | $2K | 9.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Plan Administrator; Claims processing Service code 12 | 10 TECHNOLOGY DRIVE WALLINGFORD, CT 06492 | $96K |
| BLITMAN & KING, LLP EIN 16-1047304 THIRD PARTY | Legal Service code 29 | 443 N. FRANKLIN ST. SUITE 300 SYRACUSE, NY 13204 | $89K |
| ANTHEM INC. EIN 06-1475928 NONE | Claims processing Service code 12 | 3350 PEACHTREE ROAD ATLANTA, GA 303261036 | $67K |
| UNITED ACTUARIAL SERVICES EIN 35-2156428 THIRD PARTY | Actuarial Service code 11 | 11590 N. MERIDIAN ST. CARMEL, IN 46032 | $38K |
| BERNICE MCCULLOUGH EIN 14-1512731 EMPLOYEE | Employee (plan) Service code 30 | 890 THIRD ST. ALBANY, NY 12206 | $28K |
| MANNING & NAPIER ADVISORS, INC. EIN 45-3328488 THIRD PARTY | Investment advisory (plan) Service code 27 | 290 WOODCLIFF DRIVE FAIRPORT, NY 14450 | $21K |
| DARCANGELO & CO. LLP EIN 13-2250103 THIRD PARTY | Accounting (including auditing) Service code 10 | 120 LOMOND COURT UTICA, NY 13502 | $11K |
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 | 220 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMALGAMATED LIFE | 220 | $20K |
| Stop-loss / reinsurancereinsurance | UNION LABOR LIFE INSURANCE COMPANY | 210 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.