| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENV INSURANCE AGENCY LLC3 | — | THE UNION LABOR LIFE INSURANCE COMPANY | $24K | — | $24K | 17.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCELLUS EIN 15-0329043 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $84K |
| BLITMAN KING EIN 16-1047304 NONE | Legal; Direct payment from the plan Service code 29 | — | $47K |
| BOLTON PARTNERS NORTHEAST EIN 22-3502478 NONE | Direct payment from the plan; Consulting (general); Actuarial Service code 11 | — | $18K |
| INSERO & CO. CPAS, LLP EIN 47-5324570 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $13K |
| MENGEL METZGER BARR & CO EIN 16-1092347 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $12K |
| SEGAL ADVISORS EIN 13-2646110 NONE | Direct payment from the plan; Investment management Service code 28 | — | $11K |
| LIFETIME BENEFIT SOLUTIONS NONE | Direct payment from the plan; Contract Administrator Service code 13 | 115 CONTINUUM DRIVE LIVERPOOL, NY 13088 | $10K |
| MANNING & NAPIER ADVISORS, INC. EIN 16-0995736 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $9K |
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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 173 | $19K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 135 | $141K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 173 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.