| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC Filed as: AP BENEFIT ADVISORS LLC | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | THE UNION LABOR LIFE INSURANCE COMPANY | $20K | — | $20K | 9.52% |
| MEGHAN CORNISH3 | 135 IDLEWOOD BLVD. BALDWINSVILLE, NY 13027 | THE UNION LABOR LIFE INSURANCE COMPANY | $4K | — | $4K | 1.94% |
| ENV INSURANCE AGENCY LLC3 | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | THE UNION LABOR LIFE INSURANCE COMPANY | $688 | — | $688 | 3.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JOANNE SWIDOWSKI EIN 15-0564137 NONE | Employee (plan) Service code 30 | 6801 CROSSBOW DRIVE EAST SYRACUSE, NY 13057 | $50K |
| BAILEY POWOROZNEK EIN 15-0564137 NONE | Employee (plan) Service code 30 | 6801 CROSSBOW DRIVE EAST SYRACUSE, NY 13057 | $50K |
| CANDACE GRELL EIN 15-0564137 NONE | Employee (plan) Service code 30 | 6801 CROSSBOW DRIVE EAST SYRACUSE, NY 13057 | $41K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Claims processing Service code 12 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $37K |
| BRENDA MCMURRAY EIN 15-0564137 NONE | Employee (plan) Service code 30 | 6801 CROSSBOW DRIVE EAST SYRACUSE, NY 13057 | $36K |
| KBM MGT INC EIN 16-1267355 NONE | Consulting (general) Service code 16 | 5860 HERITAGE LANDING DRIVE EAST SYRACUSE, NY 13057 | $28K |
| BLITMAN & KING LLP EIN 16-1047304 NONE | Legal Service code 29 | SUITE 300, 443 N FRANKLIN STREET SYRACUSE, NY 13204 | $20K |
| DARCANGELO & CO LLP EIN 13-2550103 NONE | Accounting (including auditing) Service code 10 | 200 E. GARDEN ST. ROME, NY 13442 | $12K |
| PRO ACT, INC NONE | Claims processing Service code 12 | 633 RT 298 SUITE 210 EAST SYRACUSE, NY 13057 | $9K |
| O'SULLIVAN ASSOCIATES EIN 22-1837827 NONE | Actuarial Service code 11 | 1236 BRACE RD, UNIT E CHERRY HILL, NJ 08034 | $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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 179 | $21K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 174 | $209K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 179 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.