| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UPSTATE FINANCIAL SERVICES3 | 2105 WEST GENESEE STREET SYRACUSE, NY 13219 | THE UNION LABOR LIFE INSURANCE COMPANY | $100K | — | $100K | 12.00% |
| JOHN ARGIRO3 | 116 LORMIK LN SYRACUSE, NY 13219 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DIANE SCHWAGER EIN 14-1582160 NONE | Employee (plan) Service code 30 | — | $72K |
| MORGAN STANLEY SMITH BARNEY, LLC EIN 26-4310632 NONE | Custodial (securities) Service code 19 | — | $58K |
| CATHY HUNTER EIN 14-1582160 NONE | Employee (plan) Service code 30 | — | $44K |
| TEAL, BECKER & CHIARAMONTE CPAS PC EIN 14-1624930 NONE | Accounting (including auditing) Service code 10 | — | $30K |
| O'SULLIVAN ASSOCIATES INC. EIN 20-8199367 NONE | Actuarial Service code 11 | — | $24K |
| EMPIRX EIN 47-1226691 NONE | Claims processing Service code 12 | — | $23K |
| POZEFSKY, BRAMLEY & MURPHY PC EIN 14-1601487 NONE | Legal Service code 29 | — | $15K |
| MANNING & NAPIER ADVISORS, INC. EIN 16-0995736 NONE | Investment management Service code 28 | — | $10K |
| WRIGHT INVESTORS EIN 06-1444342 NONE | Investment management Service code 28 | — | $8K |
| GALLAGHER BENEFIT SERVICE EIN 36-4291971 NONE | Consulting (general) Service code 16 | — | $0 |
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 | 859 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 859 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHNOW NY INC. DBA BLUESHIELD OF NORTHEASTERN NY | 1,873 | $9.1M |
| Dental | HEALTHNOW NY INC. DBA BLUESHIELD OF NORTHEASTERN NY | 1,873 | $9.1M |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 410 | $45K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 857 | $836K |
| Other(2 contracts, 2 carriers) | THE UNION LABOR LIFE INSURANCE COMPANY | 466 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,873 | — |
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."
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.