| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 S SALINA STREET SYRACUSE, NY 13202 | HARTFORD LIFE AND ACCIDENT | $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 | $196K |
| MICHAEL NANNO EIN 15-6025166 NONE | Employee (plan) Service code 30 | 107 TWIN OAKS DRIVE SYRACUSE, NY 13206 | $107K |
| MANNING AND NAPIER EIN 16-1363447 PARTY IN INTEREST | Investment management; Investment advisory (plan) Service code 27 | 290 WOODCLIFF DRIVE FAIRPORT, NY 14450 | $70K |
| SUSAN COLBERT EIN 15-6025166 NONE | Employee (plan) Service code 30 | 107 TWIN OAKS DRIVE SYRACUSE, NY 13206 | $63K |
| ANTONETTE MANZI EIN 15-6025166 NONE | Employee (plan) Service code 30 | 107 TWIN OAKS DRIVE SYRACUSE, NY 13206 | $46K |
| KMR SYSTEMS CORPORATION EIN 13-3192128 NONE | Other services Service code 49 | 6800 JERICHO TURNPIKE SUITE 120W SYOSSET, NY 11791 | $41K |
| DARCANGELO & CO., LLP EIN 13-2550103 NONE | Accounting (including auditing) Service code 10 | 120 LOMOND COURT UTICA, NY 13502 | $20K |
| SLEVIN & HART, PC EIN 52-1708613 NONE | Legal Service code 29 | 1625 MASSACHUSETTS AVE NW WASHINGTON, DC 20036 | $14K |
| MARCO CONSULTING EIN 36-3555074 NONE | Investment management Service code 28 | 550 W. WASHINGTON BLVD. SUITE 900 CHICAGO, IL 660612501 | $13K |
| TREVETT CRISTO EIN 16-1278314 NONE | Legal Service code 29 | 2 STATE STREET ROCHESTER, NY 14614 | $13K |
| 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 | 1,067 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,067 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 649 | $158K |
| Stop-loss / reinsurancereinsurance | TOKYO MARINE HCC - STOP LOSS GROUP | 540 | $391K |
| Other | HARTFORD LIFE AND ACCIDENT | 649 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 649 | — |
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.