| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENECEPTS CONSULTANTS3 | CHRISTOPHER B. SZEM 188 EAST BERGEN PLACE RED BANK, NJ 07701 | BLUESHIELD OF NORTHEASTERN NEW YORK | $128K | — | $128K | 0.54% |
| SNYADS INSURANCE AGENCY, INC.3 | 37 ELK STREET P.O. BOX 7347 ALBANY, NY 12224 | BLUESHIELD OF NORTHEASTERN NEW YORK | $112K | — | $112K | 0.47% |
| CHRISTOPHER SZEM3 Filed as: CHRISTOPHER B SZEM | BENECEPT CONSULTANTS 188 EAST BERGEN PLACE RED BANK, NJ 07701 | EXCELLUS BLUECROSS BLUESHIELD | $130K | — | $130K | 8.65% |
| SYNADS INSURANCE AGENCY, INC3 | PO BOX 7347 ALBANY, NY 12204 | HARTFORD LIFE AND ACCIDENT | $31K | — | $31K | 21.84% |
| BENECEPT CONSULTANTS3 | — | GUARDIAN | — | $5K | $5K | 5.29% |
| CHRISTOPHER SZEM3 | 1630 RUSTIC COURT WALL, NJ 07753 | GUARDIAN | $5K | — | $5K | 4.79% |
| CHRISTOPHER SZEM3 | 1630 RUSTIC COURT WALL, NJ 07753 | GUARDIAN | $3K | — | $3K | 18.90% |
| BENECEPT CONSULTANTS3 | — | GUARDIAN | — | $385 | $385 | 2.42% |
| 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 | $771K |
| FOA & SONS CORP INSURANCE AGENT | Insurance agents and brokers Service code 22 | 68 SO. SERVICE ROAD MELVILLE, NY 11747 | $264K |
| SYRACUSE AUTO DEALERS SERVICE CORP. INSURANCE AGENT | Insurance agents and brokers Service code 22 | 770 JAMES STREET SYRACUSE, NY 13203 | $248K |
| GERBER LIFE INSURANCE CO INSURANCE | Insurance services Service code 23 | 1311 MAMAONECK AVE. STE 350 WHITE PLAINS, NY 10605 | $199K |
| SAVE ON SO, LLC ADMIN | Other fees Service code 99 | 611 JAMISON RD STE 201 ELMA, NY 14059 | $120K |
| EXPRESS SCRIPTS EIN 22-3461740 CONTRACT ADMINISTRATOR | Claims processing; Other fees; Contract Administrator Service code 12 | — | $96K |
| BENEFIT MALL INSURANCE AGENT | Insurance agents and brokers Service code 22 | 133 WESTCHESTER AVE SUITE 229 WHITE PLAINS, NY 10604 | $83K |
| EBIX INC. EIN 77-0021975 COMPUTER CONSULTANT | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $71K |
| GANIM FINANCIAL SERVICES INSURANCE AGENT | Insurance agents and brokers Service code 22 | C/O THE GANIM GROUP INC. 2429 NORTH AVENUE BRIDGEPORT, CT 06604 | $50K |
| RUSSELL-TAKAS INSURANCE AGENCY INC INSURANCE AGENT | Insurance agents and brokers Service code 22 | 130 CHRIS LANE WEST ISLIP, NY 11795 | $45K |
| COOK MARAN & ASSOCIATES INSURANCE AGENT | Insurance agents and brokers Service code 22 | 40 MARCUS DRIVE, 3RD FLOOR MELVILLE, NY 11747 | $45K |
| SADLER HAYES ASSOCIATES INC INSURANCE AGENT | Insurance agents and brokers Service code 22 | 64 ROLLINGS RIDGE ROAD NEW CITY, NY 10956 | $41K |
| ENV INSURANCE AGENCY INSURANCE AGENT | Insurance agents and brokers Service code 22 | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | $37K |
| MARSHALL & STERLING, INC INSURANCE AGENT | Insurance agents and brokers Service code 22 | 280 N. BEDFORD ROAD SUITE 104 MT KISCO, NY 10549 | $32K |
| HARDING BROOKS INSURANANCE AGENCY INSURANCE PROVIDER | Insurance agents and brokers Service code 22 | 441 COMMERCE ROAD VESTAL, NY 13850 | $28K |
| RSK LIMITED LIABILITY C0 INSURANCE PROVIDER | Legal Service code 29 | 174 PARK AVE HICKSVILLE, NY 11801 | $27K |
| BLUE OCEAN BENEFITS & CONSULTING INSURANCE AGENT | Insurance agents and brokers Service code 22 | 10 DRS. JAMES PARKER BLVD RED BANK, NJ 07701 | $27K |
| 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 | $20K |
| PAUL DADDIO INSURANCE AGENT | Insurance agents and brokers Service code 22 | 75 PANORAMA DRIVE PATTERSONVILLE, NY 12563 | $19K |
| STEVEN DENISE INSURANCE AGENT | Insurance agents and brokers Service code 22 | 152 DORAL GREENS DR. WEST RYE BROOK, NY 10573 | $19K |
| THE PARTNERS INSURANCE INSURANCE AGENT | Insurance agents and brokers Service code 22 | 825 VESTAL PARKWAY WEST VESTAL, NY 13850 | $18K |
| THE WLADIS COMPANIES INSURANCE AGENT | Insurance agents and brokers Service code 22 | 528 PLUM COURT SYRACUSE, NY 13204 | $17K |
| WEST & COMPANY CPA'S PC ACCOUNTANT | Accounting (including auditing) Service code 10 | 97 NORTH MAIN STREET PO BOX 1219 GLOVERSVILLE, NY 12078 | $16K |
| UNITED ADVISORS, LLC INSURANCE AGENT | Insurance agents and brokers Service code 22 | 40 WALL STREET STE 17 NEW YORK, NY 10005 | $11K |
| COLLEY ASSET MANAGEMENT INC. EIN 14-1769528 INVESTMENT ADVISOR | Investment management Service code 28 | — | $10K |
| BENEFIT SERVICES GROUP INSURANCE AGENT | Insurance agents and brokers Service code 22 | 23671 LAWLER DRIVE WATERTOWN, NY 13601 | $10K |
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 | 7,232 | Currently employed and enrolled or eligible. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 7,232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUESHIELD OF NORTHEASTERN NEW YORK | 2,933 | $25.3M |
| Dental | GUARDIAN | 2,347 | $100K |
| Vision | GUARDIAN | 511 | $16K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,365 | $141K |
| Short-term disability | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | 0 | $0 |
| Prescription drug(3 contracts, 3 carriers) | BLUESHIELD OF NORTHEASTERN NEW YORK | 2,933 | $25.5M |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUECROSS BLUESHIELD | 2,146 | $1.5M |
| Other(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 2,365 | $399K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,933 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.