| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEGHAN CORNISH3 | 302 HURON AVENUE N. SYRACUSE, NY 13209 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NY | $12K | $12K | $25K | 18.84% |
| MEGHAN CORNISH3 | 135 IDLEWOOD BLVD. BALDWINSVILLE, NY 13027 | THE UNION LABOR LIFE INSURANCE COMPANY | $570 | — | $570 | 3.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BRENDA MCMURRAY EIN 15-0564137 NONE | Employee (plan) Service code 30 | 301 PULASKI ST. SYRACUSE, NY 13204 | $58K |
| KATHI POLLARD EIN 15-0564137 NONE | Employee (plan) Service code 30 | 301 PULASKI ST. SYRACUSE, NY 13204 | $48K |
| BAILEY RUSSELL EIN 15-0564137 NONE | Employee (plan) Service code 30 | 301 PULASKI ST. SYRACUSE, NY 13204 | $39K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Claims processing Service code 12 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $30K |
| KBM MGT INC EIN 16-1267355 NONE | Consulting (general) Service code 16 | 5860 HERITAGE LANDING DRIVE EAST SYRACUSE, NY 13057 | $24K |
| DARCANGELO & CO LLP EIN 13-2550103 NONE | Accounting (including auditing) Service code 10 | 200 E. GARDEN ST. ROME, NY 13442 | $11K |
| BLITMAN & KING LLP EIN 16-1047304 NONE | Legal Service code 29 | SUITE 300, 443 N FRANKLIN STREET SYRACUSE, NY 13204 | $9K |
| O'SULLIVAN ASSOCIATES EIN 22-1837827 NONE | Actuarial Service code 11 | 1236 BRACE RD, UNIT E CHERRY HILL, NJ 08034 | $5K |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 153 | $17K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NY | 157 | $132K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 153 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.