| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTOPHER SZEM3 Filed as: CHRISTOPHER B SZEM | 188 E BERGEN PL #201 RED BANK, NJ 07701 | HEALTHNOW NEW YORK INC. DBA BLUE CROSS BLUE SHIELD OF WESTERN NY | $105K | — | $105K | 0.56% |
| DANCOLE ASSOCIATES3 | 257 E. RIDGEWOOD AVE., STE 305 RIDGEWOOD, NJ 07450 | HEALTHNOW NEW YORK INC. DBA BLUE CROSS BLUE SHIELD OF WESTERN NY | $58K | — | $58K | 0.31% |
| WEALTH PRESERVATION SOLUTIONS3 | 257 E RIDGEWOOD AVE #305 RIDGEWOOD, NJ 07450 | HEALTHNOW NEW YORK INC. DBA BLUE CROSS BLUE SHIELD OF WESTERN NY | $51K | — | $51K | 0.27% |
| CHRISTOPHER SZEM3 Filed as: CHRISTOPHER B SZEM | BENECEPT CONSULTANTS 188 EAST BERGEN PLACE RED BANK, NJ 07701 | EXCELLUS BLUECROSS BLUESHIELD | $129K | — | $129K | 0.84% |
| CHRISTOPHER SZEM3 Filed as: CHRISTOPHER B SZEM | — | HEALTHNOW NEW YORK, INC. DBA BLUECROSS | $11K | — | $11K | 3.85% |
| SYNADS INSURANCE AGENCY, INC3 | PO BOX 7347 ALBANY, NY 12204 | THE HARTFORD | $30K | — | $30K | 20.00% |
| BENECEPT CONSULTANTS3 | — | GUARDIAN | — | $7K | $7K | 6.51% |
| CHRISTOPHER SZEM3 | 1630 RUSTIC COURT WALL, NJ 07753 | GUARDIAN | $5K | — | $5K | 4.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SNYADS THIRD PARTY ADMIN | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | PO BOX 7347 ALBANY, NY 12224 | $716K |
| SYRACUSE AUTO DEALERS ASSOCIATION INSURANCE AGENT | Insurance agents and brokers Service code 22 | 770 JAMES STREET SYRACUSE, NY 13203 | $273K |
| FOA & SONS CORP INSURANCE AGENT | Insurance agents and brokers Service code 22 | 68 SO. SERVICE ROAD MELVILLE, NY 11747 | $146K |
| EXPRESS SCRIPTS EIN 22-3461740 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator; Other fees Service code 12 | — | $119K |
| GUNDERMANN & GUNDERMANN INSURANCE AGENT | Insurance agents and brokers Service code 22 | 175 WEST CARVER STREET HUNTINGTON, NY 11743 | $76K |
| BENEFIT MALL INSURANCE AGENT | Insurance agents and brokers Service code 22 | 133 WESTCHESTER AVE WHITE PLAINS, NY 10604 | $70K |
| THE PARTNERS INSURANCE INSURANCE AGENT | Insurance agents and brokers Service code 22 | 825 VESTAL PARKWAY WEST VESTAL, NY 13850 | $69K |
| BROWN & BROWN OF EMPIRE STATE INSURANCE AGENT | Insurance agents and brokers Service code 22 | 500 PLUM STREET, SUITE 200 SYRACUSE, NY 13204 | $60K |
| EBIX HEALTH INC. EIN 77-0021975 COMPUTER CONSULTANT | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $56K |
| SADLER HAYES ASSOCIATES INC INSURANCE AGENT | Insurance agents and brokers Service code 22 | 64 ROLLINGS RIDGE ROAD NEW CITY, NY 10956 | $42K |
| RUSSELL-TAKAS INSURANCE AGENCY INC INSURANCE AGENT | Insurance agents and brokers Service code 22 | 130 CHRIS LANE WEST ISLIP, NY 11795 | $42K |
| UPSTATE CONSULTING INSURANCE AGENT | Insurance agents and brokers Service code 22 | 514 STATE STREET, SUITE 3 LIVERPOOL, NY 13090 | $38K |
| BLUE OCEAN BENEFITS & CONSULTING INSURANCE AGENT | Insurance agents and brokers Service code 22 | 10 DRS. JAMES PARKER BLVD RED BANK, NJ 07701 | $34K |
| GANIM FINANCIAL SERVICES INSURANCE AGENT | Insurance agents and brokers Service code 22 | C/O THE GANIM GROUP INC. 2429 NORTH AVENUE BRIDGEPORT, CT 06604 | $32K |
| ADMIRAL INSURANCE BROKERAGE INSURANCE AGENT | Insurance agents and brokers Service code 22 | 6833 SHORE ROAD BROOKLYN, NY 11220 | $24K |
| RSK LIMITED LIABILITY C0 INSURANCE PROVIDER | Legal Service code 29 | 174 PARK AVE HICKSVILLE, NY 11801 | $24K |
| MARSHALL & STERLING INSURANCE AGENT | Insurance agents and brokers Service code 22 | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | $20K |
| BENEFIT SERVICES GROUP INSURANCE AGENT | Insurance agents and brokers Service code 22 | 11 PUBLIC SQUARE WATERTOWN, NY 13601 | $19K |
| NBT MANG INSURANCE AGENCY INSURANCE AGENT | Insurance agents and brokers Service code 22 | 66 SOUTH BROAD STREET NORWICH, NY 13815 | $18K |
| TELADOC INC OTHER SERVICES | Other services Service code 49 | DEPARTMENT 3417 PO BOX 123417 DALLAS, TX 753123417 | $18K |
| THE WLADIS COMPANIES INSURANCE AGENT | Insurance agents and brokers Service code 22 | 528 PLUM COURT SYRACUSE, NY 13204 | $16K |
| COLLEY ASSET MANAGEMENT INC. EIN 14-1769528 INVESTMENT ADVISOR | Investment management Service code 28 | — | $14K |
| WEST & COMPANY CPA'S PC ACCOUNTANT | Accounting (including auditing) Service code 10 | 97 NORTH MAIN STREET PO BOX 1219 GLOVERSVILLE, NY 12078 | $14K |
| HARDING BROOKS INSURANCE AGENCY INSURANCE PROVIDER | Insurance agents and brokers Service code 22 | 441 COMMERCE ROAD VESTAL, NY 13850 | $12K |
| PAUL DADDIO INSURANCE AGENT | Insurance agents and brokers Service code 22 | 75 PANORAMA DRIVE PATTERSONVILLE, NY 12563 | $11K |
| STEVEN DENISE INSURANCE AGENT | Insurance agents and brokers Service code 22 | 152 DORAL GREENS DR. WEST RYE BROOK, NY 10573 | $11K |
| FOCUSED TECHNOLOGIES IMAGING SERVIC RECORDKEEPING FEES | Recordkeeping fees Service code 64 | 6 AIRLINE DRIVE ALBANY, NY 12205 | $9K |
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 | 7,043 | Currently employed and enrolled or eligible. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 7,043 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 2,376 | $15.3M |
| Dental(2 contracts, 2 carriers) | GUARDIAN | 2,937 | $101K |
| Life insurance(2 contracts, 2 carriers) | THE HARTFORD | 2,059 | $149K |
| Short-term disability | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | 138 | $0 |
| Prescription drug(3 contracts, 3 carriers) | HEALTHNOW NEW YORK INC. DBA BLUE CROSS BLUE SHIELD OF WESTERN NY | 3,237 | $34.4M |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUECROSS BLUESHIELD | 2,376 | $15.3M |
| Other(2 contracts, 2 carriers) | HEALTHNOW NEW YORK INC. DBA BLUE CROSS BLUE SHIELD OF WESTERN NY | 3,237 | $18.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,237 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.