| 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 | $24K | — | $24K | 6.04% |
| ENV INSURANCE AGENCY LLC | 7789 OSWEGO STREET LIVERPOOL, NY 13090 | THE UNION LABOR LIFE INSURANCE COMPANY | $23K | — | $23K | 5.97% |
| ENV INSURANCE AGENCY LLC | 7789 OSWEGO STREET LIVERPOOL, NY 13090 | TOKYO MARINE HCC - STOP LOSS GROUP | $47K | — | $47K | 12.00% |
| UMR, INC. | 115 W WAUSAU AVE WASUSAU, WI 54401 | TOKYO MARINE HCC - STOP LOSS GROUP | $2K | — | $2K | 0.55% |
| CH BENEFITS INC. Filed as: CH BENEFITS INC | 100 MADISON STREET, SUITE 100 SYRACUSE, NY 13202 | AETNA LIFE INSURANCE CO. | $8K | — | $8K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 NONE | Claims processing Service code 12 | PO BOX 1087 WAUSAU, WI 54402 | $210K |
| MICHAEL NANNO EIN 15-6025166 NONE | Employee (plan) Service code 30 | 107 TWIN OAKS DRIVE SYRACUSE, NY 13206 | $103K |
| SUSAN COLBERT EIN 15-6025166 NONE | Employee (plan) Service code 30 | 107 TWIN OAKS DRIVE SYRACUSE, NY 13206 | $59K |
| CHRISTINA KOETTING EIN 15-6025166 NONE | Employee (plan) Service code 30 | 107 TWIN OAKS DRIVE SYRACUSE, NY 13206 | $54K |
| MANNING AND NAPIER EIN 16-1363447 PARTY IN INTEREST | Investment management; Investment advisory (plan) Service code 27 | 290 WOODCLIFF DRIVE FAIRPORT, NY 14450 | $37K |
| KMR SYSTEMS CORPORATION EIN 13-3192128 NONE | Other services Service code 49 | 6800 JERICHO TURNPIKE SUITE 120W SYOSSET, NY 11791 | $30K |
| TREVETT CRISTO EIN 16-1278314 NONE | Legal Service code 29 | 2 STATE STREET ROCHESTER, NY 14614 | $29K |
| 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 | $12K |
| JOSEPH W. MCCARTHY & ASSOCIATES EIN 16-1120588 NONE | Accounting (including auditing) Service code 10 | 7644 ROUTE 31 WEST BALDWINSVILLE, NY 13027 | $8K |
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 | 1,022 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,022 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AETNA LIFE INSURANCE CO. | 993 | $154K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | THE UNION LABOR LIFE INSURANCE COMPANY | 540 | $784K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 993 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.