| 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 | $22K | $0 | $22K | 10.97% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | THE UNION LABOR LIFE INSURANCE COMPANY | $8K | — | $8K | 3.84% |
| ENV INSURANCE AGENCY LLC3 | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | THE UNION LABOR LIFE INSURANCE COMPANY | $667 | — | $667 | 3.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BAILEY POWOROZNEK EIN 15-0564137 NONE | Employee (plan) Service code 30 | 6801 CROSSBOW DRIVE EAST SYRACUSE, NY 13057 | $55K |
| JOANNE SWIDOWSKI EIN 15-0564137 NONE | Employee (plan) Service code 30 | 6801 CROSSBOW DRIVE EAST SYRACUSE, NY 13057 | $54K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Claims processing Service code 12 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $44K |
| BLITMAN & KING LLP EIN 16-1047304 NONE | Legal Service code 29 | SUITE 300, 443 N FRANKLIN STREET SYRACUSE, NY 13204 | $18K |
| PRO ACT, INC NONE | Claims processing Service code 12 | 633 RT 298 SUITE 210 EAST SYRACUSE, NY 13057 | $15K |
| HEATHER EATON EIN 15-0564137 NONE | Employee (plan) Service code 30 | 6801 CROSSBOW DRIVE EAST SYRACUSE, NY 13057 | $15K |
| CANDACE GRELL EIN 15-0564137 NONE | Employee (plan) Service code 30 | 6801 CROSSBOW DRIVE EAST SYRACUSE, NY 13057 | $14K |
| DARCANGELO & CO LLP EIN 13-2550103 NONE | Accounting (including auditing) Service code 10 | 200 E. GARDEN ST. ROME, NY 13442 | $12K |
| CATHERINE LANDRY EIN 15-0564137 NONE | Employee (plan) Service code 30 | 6801 CROSSBOW DRIVE EAST SYRACUSE, NY 13057 | $8K |
| 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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 169 | $20K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 168 | $197K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 169 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.