| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENV INSURANCE AGENCY LLC Filed as: ENV INSURANCE AGENCY, LLC | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | UNION LABOR LIFE INSURANCE COMPANY | $8K | — | $8K | 6.43% |
| UPSTATE FINANCIAL SERVICES | 1031 W. GENESEE STREET, SUITE 100 SYRACUSE, NY 13204 | AMALGAMATED LIFE | $2K | — | $2K | 9.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Plan Administrator; Claims processing Service code 12 | 10 TECHNOLOGY DRIVE WALLINGFORD, CT 06492 | $119K |
| BLITMAN & KING, LLP EIN 16-1047304 THIRD PARTY | Legal Service code 29 | 443 N. FRANKLIN ST. SUITE 300 SYRACUSE, NY 13204 | $96K |
| ANTHEM INC. EIN 06-1475928 NONE | Claims processing Service code 12 | 3350 PEACHTREE ROAD ATLANTA, GA 303261036 | $86K |
| EPLAN EIN 20-3720767 THIRD PARTY | Claims processing Service code 12 | 22601 N 19TH AVENUE, SUITE 240 PHOENIX, AZ 85027 | $71K |
| MANNING & NAPIER ADVISORS, INC. EIN 45-3328488 THIRD PARTY | Investment advisory (plan) Service code 27 | 290 WOODCLIFF DRIVE FAIRPORT, NY 14450 | $42K |
| UNITED ACTUARIAL SERVICES EIN 35-2156428 THIRD PARTY | Actuarial Service code 11 | 11590 N. MERIDIAN ST. CARMEL, IN 46032 | $41K |
| BERNICE MCCULLOUGH EIN 14-1512731 EMPLOYEE | Employee (plan) Service code 30 | 17 HEMLOCK STREET LATHAM, NY 12110 | $32K |
| DARCANGELO & CO. LLP EIN 13-2250103 THIRD PARTY | Accounting (including auditing) Service code 10 | 120 LOMOND COURT UTICA, NY 13502 | $12K |
| ARCARA ZUCARELLI LENDA & ASSOCIATES THIRD PARTY | Accounting (including auditing) Service code 10 | 5214 MAIN STREET, SUITE 200 WILLIAMSVILLE, NY 14221 | $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 | 211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMALGAMATED LIFE | 209 | $22K |
| Stop-loss / reinsurancereinsurance | UNION LABOR LIFE INSURANCE COMPANY | 213 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.