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| Provider | Services | Address | Compensation |
|---|---|---|---|
| EASTERN TECHNICAL SERVICES INC EIN 14-1656330 EMPLOYEE | Employee (plan) Service code 30 | 186 US OVAL PLATTSBURGH, NY 12903 | $12K |
| BONADIO & CO., LLP EIN 16-1131146 ACCOUNTANT | Accounting (including auditing) Service code 10 | 6 WEMBLEY COURT ALBANY, NY 12205 | $10K |
| PINNACLE PROPERTIES, LLC EIN 06-1766357 LANDLORD | Other fees Service code 99 | PO BOX 983 PLATTSBURGH, NY 12901 | $5K |
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 | 3,045 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,045 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COLUMBIAN MUTUAL LIFE INSURANCE CO. | 13 | $9K |
| Short-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE CO | 4 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13 | — |
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.