| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SNYADS INSURANCE AGENCY, INC.3 | 37 ELK STREET ALBANY, NY 12207 | BLUESHIELD OF NORTHEASTERN NEW YORK | $10K | — | $10K | 3.89% |
| SNYADS INSURANCE AGENCY, INC.3 Filed as: SNYADS INSURANCE AGENCY INC. | 37 ELK STREET ALBANY, NY 12207 | THE HARTFORD | $24K | — | $24K | 20.83% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | GUARDIAN | — | $4K | $4K | 6.49% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | GUARDIAN | — | $878 | $878 | 12.87% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | GUARDIAN | — | $50 | $50 | 4.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SNYADS, INC EIN 14-1745301 THIRD PARTY ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 37 ELK STREET ALBANY, NY 12207 | $189K |
| NIXON PEABODY LLP LEGAL | Legal Service code 29 | 1300 CLINTON SQUARE ROCHESTER, NY 14604 | $42K |
| EBIX INC EIN 77-0021975 COMPUTER CONSULTANT | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 1 EBIX WAY JOHNS CREEK, GA 30097 | $33K |
| THE D'AMATO LAW GROUP LEGAL | Legal Service code 29 | 125 STATE STREET, SUITE 2 ALBANY, NY 12207 | $29K |
| WEST & COMPANY CPA'S PC EIN 14-1662664 ACCOUNTANT | Accounting (including auditing) Service code 10 | PO BOX 1219 GLOVERSVILLE, NY 12078 | $16K |
| CAPEZZA HILL LLP LEGAL | Legal Service code 29 | 30 SOUTH PEARL STREET ALBANY, NY 12207 | $12K |
| SECURE SCAN, LLC COPY & DUPLICATING | Copying and duplicating Service code 36 | 1060 BROADWAY ALBANY, NY 12204 | $6K |
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 | 6,619 | 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) | 6,619 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | GUARDIAN | 1,348 | $56K |
| Vision | GUARDIAN | 327 | $7K |
| Life insurance | THE HARTFORD | 1,819 | $114K |
| Prescription drug | BLUESHIELD OF NORTHEASTERN NEW YORK | 46 | $251K |
| Other(2 contracts, 2 carriers) | BLUESHIELD OF NORTHEASTERN NEW YORK | 1,819 | $365K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,819 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.