| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | THE UNION LABOR LIFE INSURANCE COMPANY | $145K | $34K | $178K | 18.50% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | EXPRESS SCRIPTS INC | $21K | — | $21K | 2.18% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | DELTA DENTAL OF NEW YORK | $33K | $4K | $37K | 18.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC. EIN 39-1995276 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $1.7M |
| US RX CARE NONE | Claims processing; Direct payment from the plan Service code 12 | 707 MIAMISBURG-CENTERVILLE RD 405 DAYTON, OH 45459 | $255K |
| KEENAN & ASSOCIATES EIN 95-2798626 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $214K |
| DELTA DENTAL EIN 11-1980218 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $203K |
| TELADOC, INC EIN 04-3705970 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $143K |
| BENEFIT RESOUCE LLC EIN 84-2247659 NONE | Claims processing; Direct payment from the plan Service code 12 | PO BOX 360995 PITTSBURGH, PA 152516995 | $131K |
| ENV INSURANCE AGENCY INC EIN 16-1519885 NONE | Direct payment from the plan; Other commissions Service code 50 | — | $73K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 11-3658445 NONE | Other investment fees and expenses; Securities brokerage commissions and fees; Recordkeeping fees; Other fees; Direct payment from the plan; Investment advisory (plan); Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Securities brokerage; Other commissions Service code 15 | — | $46K |
| BONADIO & CO, LLP EIN 16-1131146 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $40K |
| BLITMAN AND KING EIN 16-1047304 NONE | Legal; Direct payment from the plan Service code 29 | — | $38K |
| DAVIS VISION EIN 11-3051991 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $29K |
| O'SULLIVAN ASSOCIATES EIN 22-1837827 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $23K |
| WAYCROSS PARTNERS LLC EIN 11-3774100 NONE | Direct payment from the plan; Investment management fees paid indirectly by plan Service code 50 | — | $17K |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $16K |
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 | 3,229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 371 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,600 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 7,501 | $203K |
| Prescription drug | EXPRESS SCRIPTS INC | 345 | $949K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 3,322 | $964K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,501 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.