| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENV INSURANCE AGENCY LLC | 7789 OSWEGO RD LIVERPOOL, NY 13090 | THE UNION LABOR LIFE INS. CO. | $25K | — | $25K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCELLUS BLUE CROSS BLUE SHIELD EIN 15-0329043 | Contract Administrator Service code 13 | — | $131K |
| MANNING & NAPIER ADVISORS, INC. EIN 16-0995736 NONE | Investment management Service code 28 | — | $98K |
| BLITMAN & KING EIN 16-1047304 ATTORNEY | Legal Service code 29 | — | $77K |
| MENGEL METZGER BARR & CO. LLP EIN 16-1092347 ACCOUNTANT | Accounting (including auditing) Service code 10 | — | $24K |
| BOLTON PARTNERS NORTHEAST, INC. EIN 27-3666661 NONE | Actuarial Service code 11 | — | $15K |
| SEGAL ADVISORS EIN 13-2646110 NONE | Investment advisory (plan) Service code 27 | — | $13K |
| INVESCO EIN 26-6399613 NONE | Other investment fees and expenses Service code 72 | — | $9K |
| WELLS FARGO EIN 94-1347393 NONE | Custodial (securities) Service code 19 | — | $6K |
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 | 237 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | THE UNION LABOR LIFE INS. CO. | 271 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.