| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS Filed as: AP BENEFIT ADVISORS LLC DBA ENV INS | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | THE UNION LABOR LIFE INSURANCE COMPANY | $72K | — | $72K | 12.00% |
| CH BENEFITS INC. Filed as: CH BENEFITS INC | 100 S SALINA ST #370 SYRACUSE, NY 13202 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 NONE | Claims processing Service code 12 | PO BOX 1087 WAUSAU, WI 54402 | $224K |
| MICHAEL NANNO EIN 15-6025166 EMPLOYEE | Employee (plan) Service code 30 | 107 TWIN OAKS DRIVE SYRACUSE, NY 13206 | $108K |
| SAVEONSP EIN 47-3603390 NONE | Insurance brokerage commissions and fees Service code 53 | 40 LA RIVIERE, SUITE 310 BUFFALO, NY 14202 | $106K |
| SUSAN COLBERT EIN 15-6025166 EMPLOYEE | Employee (plan) Service code 30 | 107 TWIN OAKS DRIVE SYRACUSE, NY 13206 | $73K |
| LOCAL 73 HEALTH & WELFARE FUND EIN 16-1067148 NONE | Direct payment from the plan Service code 50 | 107 TWIN OAKS DRIVE SYRACUSE, NY 13206 | $57K |
| RIGHT RX, LLC EIN 38-3794947 NONE | Contract Administrator Service code 13 | 707 MIAMISBURG-CENTERVILLE RD 406 DAYTON, OH 45459 | $48K |
| JBM COMPUTER CONSULTANTS INC. NONE | Other services Service code 49 | 20 N AMERICA DR. WEST SENECA, NY 14224 | $48K |
| KEENAN & ASSOCIATES EIN 95-2798626 NONE | Consulting (general) Service code 16 | 2355 CRENSHAW BLVD. SUITE 200 TORRANCE, CA 90501 | $47K |
| BLITMAN & KING EIN 16-1047304 NONE | Legal Service code 29 | 443 NORTH FRANKLIN STREET SYRACUSE, NY 13204 | $34K |
| DARCANGELO & CO., LLP EIN 13-2550103 NONE | Accounting (including auditing) Service code 10 | 120 LOMOND COURT UTICA, NY 13502 | $21K |
| ANTONETTE MANZI EIN 15-6025166 EMPLOYEE | Employee (plan) Service code 30 | 107 TWIN OAKS DRIVE SYRACUSE, NY 13206 | $17K |
| JOSEPH W. MCCARTHY & ASSOCIATES EIN 16-1120588 NONE | Accounting (including auditing) Service code 10 | 7644 ROUTE 31 WEST BALDWINSVILLE, NY 13027 | $13K |
| MARCO CONSULTING EIN 36-3555074 NONE | Investment management Service code 28 | 550 W. WASHINGTON BLVD. SUITE 900 CHICAGO, IL 660612501 | $10K |
| MANNING AND NAPIER EIN 16-1363447 PARTY IN INTEREST | Investment advisory (plan); Investment management Service code 27 | 290 WOODCLIFF DRIVE FAIRPORT, NY 14450 | $5K |
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 | 1,186 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 735 | $199K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 819 | $602K |
| Other | HARTFORD LIFE AND ACCIDENT | 735 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 819 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.