| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | THE UNION LABOR LIFE INSURANCE COMPANY | $24K | — | $24K | 18.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCELLUS BLUE CROSS BLUE SHIELD EIN 15-0329043 | Claims processing Service code 12 | — | $122K |
| SOLXSYS ADMINISTRATIVE SOLUTIONS EIN 83-2454243 THIRD PARTY ADMINISTRATOR | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | 5600 NEW KING DRIVE TROY, MI 48098 | $83K |
| MENGEL METZGER BARR & CO EIN 16-1092347 AUDITOR | Accounting (including auditing) Service code 10 | — | $35K |
| BLITMAN & KING EIN 16-1047304 ATTORNEY | Legal Service code 29 | — | $35K |
| BOLTON PARTNERS NORTHEAST EIN 22-3502478 ACTUARY | Consulting (general); Actuarial Service code 11 | — | $24K |
| LIFETIME BENEFIT SOLUTIONS | Contract Administrator Service code 13 | 115 CONTINUUM DRIVE LIVERPOOL, NY 13088 | $15K |
| SEGAL ADVISORS EIN 13-2646110 | Investment management Service code 28 | — | $15K |
| MCCARTHY & ASSOCIATES EIN 16-1120588 PAYROLL AUDITOR | Accounting (including auditing) Service code 10 | — | $14K |
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 | 170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 203 | $17K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 166 | $131K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 188 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.