| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC Filed as: AP BENEFIT ADVISORS | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | EXPRESS SCRIPTS INC | $20K | — | $20K | 2.37% |
| AP BENEFIT ADVISORS, LLC Filed as: AP BENEFIT ADVISORS | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | THE UNION LABOR LIFE INSURANCE COMPANY | $96K | $18K | $114K | 20.22% |
| AP BENEFIT ADVISORS, LLC8 Filed as: AP BENEFIT ADVISORS | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | DELTA DENTAL OF NEW YORK | $39K | $6K | $44K | 25.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC. EIN 39-1995276 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $1.4M |
| US RX CARE NONE | Direct payment from the plan; Claims processing Service code 12 | 707 MIAMISBURG-CENTERVILLE RD 405 DAYTON, OH 45459 | $216K |
| DELTA DENTAL EIN 11-1980218 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $183K |
| KEENAN & ASSOCIATES EIN 95-2798626 NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $179K |
| PRO-FLEX ADMINISTRATORS LLC EIN 45-3261121 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $106K |
| TELEDOC, INC EIN 04-3705970 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $88K |
| ENV INSURANCE AGENCY INC EIN 16-1519885 NONE | Other commissions; Direct payment from the plan Service code 50 | — | $72K |
| BLITMAN AND KING EIN 16-1047304 NONE | Legal; Direct payment from the plan Service code 29 | — | $53K |
| BONADIO & CO, LLP EIN 16-1131146 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $35K |
| DAVIS VISION EIN 11-3051991 NONE | Direct payment from the plan; Claims processing; Insurance services Service code 12 | — | $27K |
| 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 | — | $25K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 20-8764829 NONE | Other services; Other investment fees and expenses; Other fees; Recordkeeping fees; Securities brokerage; Direct payment from the plan; Investment advisory (plan); Recordkeeping and information management (computing, tabulating, data processing, etc.); Securities brokerage commissions and fees; Custodial (securities) Service code 15 | — | $23K |
| O'SULLIVAN ASSOCIATES EIN 22-1837827 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $22K |
| ARISTOTLE CAPITAL MANAGEMENT EIN 95-4833644 NONE | Investment management fees paid indirectly by plan Service code 52 | — | $19K |
| SEGAL ADVISORS EIN 13-2646110 NONE | Direct payment from the plan Service code 50 | — | $19K |
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 | 3,043 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 329 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 6,663 | $177K |
| Prescription drug | EXPRESS SCRIPTS INC | 327 | $828K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 3,125 | $563K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,663 | — |
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.