| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA ENV INS | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | EXCELLUS BLUE CROSS BLUE SHIELD | — | $48K | $48K | 15.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCELLUS BLUE CROSS BLUE SHIELD EIN 15-0329043 NONE | Claims processing Service code 12 | — | $139K |
| MANNING & NAPIER ADVISORS, INC. EIN 16-0995736 NONE | Investment management Service code 28 | — | $46K |
| BOLTON PARTNERS NORTHEAST, INC. EIN 27-3666661 NONE | Actuarial Service code 11 | — | $40K |
| ASB CAPITAL COMPANY EIN 80-0618452 NONE | Other investment fees and expenses Service code 72 | — | $38K |
| STEPHANIE YOUNG EIN 16-0839767 EMPLOYEE | Employee (plan) Service code 30 | — | $37K |
| KRIS VANFLEET EIN 16-0839767 EMPLOYEE | Employee (plan) Service code 30 | — | $31K |
| MENGEL METZGER BARR & CO. LLP EIN 16-1092347 NONE | Accounting (including auditing) Service code 10 | — | $29K |
| BLITMAN & KING EIN 16-1047304 NONE | Legal Service code 29 | — | $26K |
| ARISTOTLE CREDIT PARTNERS EIN 46-4179556 NONE | Other investment fees and expenses Service code 72 | — | $16K |
| IPS EIN 58-2432390 NONE | Other investment fees and expenses Service code 72 | — | $14K |
| JOSEPH MCCARTHY & ASSOCIATES EIN 16-1120588 NONE | Accounting (including auditing) Service code 10 | — | $11K |
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 | 224 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 56 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 52 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INS. CO. | 308 | $22K |
| Short-term disability | THE UNION LABOR LIFE INS. CO. | 262 | $29K |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUE CROSS BLUE SHIELD | 200 | $316K |
| Other | THE UNION LABOR LIFE INS. CO. | 262 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.