| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTOPHER SZEM3 Filed as: CHRISTOPHER B SZEM | BENECEPT CONSULTANTS 188 EAST BERGEN PLACE RED BANK, NJ 07701 | EXCELLUS BLUECROSS BLUESHIELD | $118K | — | $118K | 0.74% |
| SYNADS INSURANCE AGENCY, INC3 Filed as: SYNADS INSURANCE AGENCY INC | — | BLUESHIELD OF NORTHEASTERN NEW YORK | $1K | — | $1K | 0.46% |
| SYNADS INSURANCE AGENCY, INC3 | PO BOX 7347 ALBANY, NY 12204 | HARTFORD LIFE AND ACCIDENT | $33K | — | $33K | 20.00% |
| CHRISTOPHER SZEM3 | 1630 RUSTIC COURT WALL, NJ 07753 | GUARDIAN | $4K | — | $4K | 4.63% |
| BENECEPT CONSULTANTS3 | — | GUARDIAN | — | $2K | $2K | 2.44% |
| CHRISTOPHER SZEM3 | 1630 RUSTIC COURT WALL, NJ 07753 | GUARDIAN | $1K | — | $1K | 18.90% |
| BENECEPTS CONSULTANTS3 | 188 EAST BERGEN PLACE RED BANK, NJ 07701 | BLUESHIELD OF NORTHEASTERN NEW YORK | $136K | — | $136K | — |
| SNYADS INSURANCE AGENCY, INC.3 Filed as: SNYADS INSURANCE | 37 ELK STREET ALBANY, NY 12207 | BLUESHIELD OF NORTHEASTERN NEW YORK | $47K | — | $47K | — |
| WEALTH PRESERVATION SOLUTIONS3 | 45 EISENHOWER DRIVE PARAMUS, NJ 07652 | BLUESHIELD OF NORTHEASTERN NEW YORK | $26K | — | $26K | — |
| 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 | $740K |
| SYRACUSE AUTO DEALERS ASSOCIATION INSURANCE AGENT | Insurance agents and brokers Service code 22 | 770 JAMES STREET SYRACUSE, NY 13203 | $253K |
| FOA & SONS CORP INSURANCE AGENT | Insurance agents and brokers Service code 22 | 68 SO. SERVICE ROAD MELVILLE, NY 11747 | $225K |
| EXPRESS SCRIPTS EIN 22-3461740 CONTRACT ADMINISTRATOR | Claims processing; Other fees; Contract Administrator Service code 12 | — | $111K |
| BENEFIT MALL INSURANCE AGENT | Insurance agents and brokers Service code 22 | 133 WESTCHESTER AVE SUITE 229 WHITE PLAINS, NY 10604 | $80K |
| EBIX HEALTH INC. EIN 77-0021975 COMPUTER CONSULTANT | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $73K |
| RSK LIMITED LIABILITY C0 INSURANCE PROVIDER | Legal Service code 29 | 174 PARK AVE HICKSVILLE, NY 11801 | $58K |
| GUNDERMANN & GUNDERMANN INSURANCE AGENT | Insurance agents and brokers Service code 22 | 175 WEST CARVER STREET HUNTINGTON, NY 11743 | $55K |
| SADLER HAYES ASSOCIATES INC INSURANCE AGENT | Insurance agents and brokers Service code 22 | 64 ROLLINGS RIDGE ROAD NEW CITY, NY 10956 | $43K |
| GANIM FINANCIAL SERVICES INSURANCE AGENT | Insurance agents and brokers Service code 22 | C/O THE GANIM GROUP INC. 2429 NORTH AVENUE BRIDGEPORT, CT 06604 | $42K |
| MARSHALL & STERLING, INC INSURANCE AGENT | Insurance agents and brokers Service code 22 | 280 N. BEDFORD ROAD SUITE 104 MT KISCO, NY 10549 | $41K |
| BLUE OCEAN BENEFITS & CONSULTING INSURANCE AGENT | Insurance agents and brokers Service code 22 | 10 DRS. JAMES PARKER BLVD RED BANK, NJ 07701 | $41K |
| HARDING BROOKS INSURANANCE AGENCY INSURANCE PROVIDER | Insurance agents and brokers Service code 22 | 441 COMMERCE ROAD VESTAL, NY 13850 | $28K |
| THE PARTNERS INSURANCE INSURANCE AGENT | Insurance agents and brokers Service code 22 | 825 VESTAL PARKWAY WEST VESTAL, NY 13850 | $24K |
| RUSSELL-TAKAS INSURANCE AGENCY INC INSURANCE AGENT | Insurance agents and brokers Service code 22 | 130 CHRIS LANE WEST ISLIP, NY 11795 | $24K |
| UPSTATE CONSULTING INSURANCE AGENT | Insurance agents and brokers Service code 22 | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | $23K |
| ADMIRAL INSURANCE BROKERAGE INSURANCE AGENT | Insurance agents and brokers Service code 22 | 6833 SHORE ROAD BROOKLYN, NY 11220 | $23K |
| TELADOC INC OTHER SERVICES | Other services Service code 49 | DEPARTMENT 3417 PO BOX 123417 DALLAS, TX 753123417 | $23K |
| PAUL DADDIO INSURANCE AGENT | Insurance agents and brokers Service code 22 | 75 PANORAMA DRIVE PATTERSONVILLE, NY 12563 | $20K |
| STEVEN DENISE INSURANCE AGENT | Insurance agents and brokers Service code 22 | 152 DORAL GREENS DR. WEST RYE BROOK, NY 10573 | $20K |
| THE WLADIS COMPANIES INSURANCE AGENT | Insurance agents and brokers Service code 22 | 528 PLUM COURT SYRACUSE, NY 13204 | $17K |
| BROWN & BROWN OF EMPIRE STATE INSURANCE AGENT | Insurance agents and brokers Service code 22 | 500 PLUM STREET, SUITE 200 SYRACUSE, NY 13204 | $16K |
| WEST & COMPANY CPA'S PC ACCOUNTANT | Accounting (including auditing) Service code 10 | 97 NORTH MAIN STREET PO BOX 1219 GLOVERSVILLE, NY 12078 | $16K |
| ENV INSURANCE AGENCY INSURANCE AGENT | Insurance agents and brokers Service code 22 | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | $15K |
| COLLEY ASSET MANAGEMENT INC. EIN 14-1769528 INVESTMENT ADVISOR | Investment management Service code 28 | — | $14K |
| BENEFIT SERVICES GROUP INSURANCE AGENT | Insurance agents and brokers Service code 22 | 11 PUBLIC SQUARE SUITE 520 WATERTOWN, NY 13601 | $12K |
| FOCUSED TECHNOLOGIES IMAGING SERVIC RECORDKEEPING FEES | Recordkeeping fees Service code 64 | 6 AIRLINE DRIVE ALBANY, NY 12205 | $8K |
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 | 7,068 | Currently employed and enrolled or eligible. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 7,068 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EXCELLUS BLUECROSS BLUESHIELD | 3,681 | $16.0M |
| Dental | GUARDIAN | 2,670 | $82K |
| Vision | GUARDIAN | 401 | $5K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,265 | $165K |
| Short-term disability | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | 0 | $0 |
| Prescription drug(3 contracts, 2 carriers) | EXCELLUS BLUECROSS BLUESHIELD | 3,681 | $16.3M |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUECROSS BLUESHIELD | 2,187 | $16.0M |
| Other | HARTFORD LIFE AND ACCIDENT | 2,265 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,681 | — |
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.
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.