| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC | 7789 OSWEGO RD 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% |
| AP BENEFIT ADVISORS, LLC4 | 7789 OSWEGO RD LIVERPOOL, NY 13090 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| 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 | $106K |
| HEATHER TURK EIN 15-6025166 EMPLOYEE | Employee (plan) Service code 30 | 107 TWIN OAKS DRIVE SYRACUSE, NY 13206 | $85K |
| MANNING AND NAPIER EIN 16-1363447 PARTY IN INTEREST | Investment management; Investment advisory (plan) Service code 27 | 290 WOODCLIFF DRIVE FAIRPORT, NY 14450 | $84K |
| SUSAN COLBERT EIN 15-6025166 EMPLOYEE | Employee (plan) Service code 30 | 107 TWIN OAKS DRIVE SYRACUSE, NY 13206 | $75K |
| SAVEONSP EIN 47-3603390 NONE | Insurance brokerage commissions and fees Service code 53 | 40 LA RIVIERE, SUITE 310 BUFFALO, NY 14202 | $66K |
| RIGHT RX, LLC EIN 38-3794947 NONE | Contract Administrator Service code 13 | 707 MIAMISBURG-CENTERVILLE RD 406 DAYTON, OH 45459 | $63K |
| KEENAN & ASSOCIATES EIN 95-2798626 NONE | Consulting (general) Service code 16 | 2355 CRENSHAW BLVD. SUITE 200 TORRANCE, CA 90501 | $62K |
| KELLY DAGGETT EIN 15-6025166 EMPLOYEE | Employee (plan) Service code 30 | 107 TWIN OAKS DRIVE SYRACUSE, NY 13206 | $60K |
| JOSEPH W. MCCARTHY & ASSOCIATES EIN 16-1120588 NONE | Accounting (including auditing) Service code 10 | 7644 ROUTE 31 WEST BALDWINSVILLE, NY 13027 | $48K |
| BLITMAN & KING EIN 16-1047304 NONE | Legal Service code 29 | 443 NORTH FRANKLIN STREET SYRACUSE, NY 13204 | $42K |
| JBM COMPUTER CONSULTANTS INC. NONE | Other services Service code 49 | 20 N AMERICA DR. WEST SENECA, NY 14224 | $30K |
| DARCANGELO & CO., LLP EIN 13-2550103 NONE | Accounting (including auditing) Service code 10 | 120 LOMOND COURT UTICA, NY 13502 | $27K |
| ROBIN GREEN EIN 15-6025166 EMPLOYEE | Employee (plan) Service code 30 | 107 TWIN OAKS DRIVE SYRACUSE, NY 13206 | $16K |
| ALIVIA TURK EIN 15-6025166 EMPLOYEE | Employee (plan) Service code 30 | 107 TWIN OAKS DRIVE SYRACUSE, NY 13206 | $14K |
| MARCO CONSULTING EIN 36-3555074 NONE | Investment management Service code 28 | 550 W. WASHINGTON BLVD. SUITE 900 CHICAGO, IL 660612501 | $13K |
| BONADIO & CO., LLP EIN 16-1131146 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 432 NORTH FRANKLIN STREET 60 SYRACUSE, NY 13204 | $10K |
| M&T/WILMINGTON TRUST EIN 16-0538020 NONE | Custodial (securities) Service code 19 | ONE MT PLAZA BUFFALO, NY 14203 | $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 | 1,191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 140 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 702 | $217K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 229 | $12K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 819 | $602K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 702 | $217K |
| 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."
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.