| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENV INSURANCE AGENCY LLC3 | — | THE UNION LABOR LIFE INSURANCE COMPANY | $23K | — | $23K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCELLUS BCBS EIN 15-0329043 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $104K |
| BLITMAN KING EIN 16-1047304 NONE | Legal; Direct payment from the plan Service code 29 | — | $61K |
| MANNING & NAPIER ADVISORS, INC. EIN 16-0995736 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $20K |
| BOLTON PARTNERS NORTHEAST EIN 22-3502478 NONE | Consulting (general); Actuarial; Direct payment from the plan Service code 11 | — | $17K |
| INSERO & CO. CPAS, LLP EIN 47-5324570 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $12K |
| LIFETIME BENEFIT SOLUTIONS NONE | Contract Administrator; Direct payment from the plan Service code 13 | 115 CONTINUUM DRIVE LIVERPOOL, NY 13088 | $12K |
| SEGAL ADVISORS EIN 13-2646110 NONE | Investment management; Direct payment from the plan Service code 28 | — | $11K |
| MENGEL METZGER BARR & CO EIN 16-1092347 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $10K |
| EXETER TRUST COMPANY NONE | Direct payment from the plan; Custodial (securities) Service code 19 | 290 WOODCLIFF DRIVE FAIRPORT, NY 14450 | $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 | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 174 | $19K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 143 | $154K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 174 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.