| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UPSTATE FINANCIAL SERVICES | 2105 WEST GENESEE STREET SYRACUSE, NY 13219 | THE UNION LABOR LIFE INSURANCE COMPANY | $47K | — | $47K | 12.00% |
| THOMAS M. HANLEY | 200 WOODLAND TERRACE SYRACUSE, NY 13203 | AETNA LIFE INSURANCE CO. | $7K | — | $7K | 4.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| POMCO EIN 15-0581348 NONE | Claims processing Service code 12 | 2425 JAMES STREET SYRACUSE, NY 13206 | $175K |
| MANNING AND NAPIER EIN 16-1363447 PARTY IN INTEREST | Investment management; Investment advisory (plan) Service code 27 | 290 WOODCLIFF DRIVE FAIRPORT, NY 14450 | $51K |
| CHRISTINA KOETTING EIN 15-6025166 NONE | Employee (plan) Service code 30 | 107 TWIN OAKS DRIVE SYRACUSE, NY 13206 | $47K |
| SUSAN COLBERT EIN 15-6025166 NONE | Employee (plan) Service code 30 | 107 TWIN OAKS DRIVE SYRACUSE, NY 13206 | $46K |
| TREVETT CRISTO EIN 16-1278314 NONE | Legal Service code 29 | 2 STATE STREET ROCHESTER, NY 14614 | $16K |
| DARCANGELO & CO., LLP EIN 13-2550103 NONE | Accounting (including auditing) Service code 10 | 120 LOMOND COURT UTICA, NY 13502 | $16K |
| MARCO CONSULTING EIN 36-3555074 NONE | Investment management Service code 28 | 550 W. WASHINGTON BLVD. SUITE 900 CHICAGO, IL 660612501 | $10K |
| JOSEPH W. MCCARTHY & ASSOCIATES EIN 16-1120588 NONE | Accounting (including auditing) Service code 10 | 7644 ROUTE 31 WEST BALDWINSVILLE, NY 13027 | $7K |
| M&T EIN 16-0538020 NONE | Float revenue Service code 62 | ONE MT PLAZA BUFFALO, NY 14203 | $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 | 954 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 954 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AETNA LIFE INSURANCE CO. | 999 | $159K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 520 | $390K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 999 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.