| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENV INSURANCE AGENCY LLC3 Filed as: ENV INSURANCE AGENCY | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | EXCELLUS BLUE CROSS BLUE SHIELD | $53K | — | $53K | — |
| 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 | — | $63K |
| STEPHANIE YOUNG EIN 16-0839767 EMPLOYEE | Employee (plan) Service code 30 | — | $36K |
| KRIS VANFLEET EIN 16-0839767 EMPLOYEE | Employee (plan) Service code 30 | — | $30K |
| ASB CAPITAL COMPANY EIN 80-0618452 NONE | Other investment fees and expenses Service code 72 | — | $29K |
| MENGEL METZGER BARR & CO. LLP EIN 16-1092347 ACCOUNTANT | Accounting (including auditing) Service code 10 | — | $27K |
| BLITMAN & KING EIN 16-1047304 ATTORNEY | Legal Service code 29 | — | $19K |
| ARISTOTLE CREDIT PARTNERS EIN 46-4179556 NONE | Other investment fees and expenses Service code 72 | — | $17K |
| 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 | — | $12K |
| BANK OF LABOR EIN 48-0150325 NONE | Other investment fees and expenses Service code 72 | — | $10K |
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 | 242 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 49 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 46 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INS. CO. | 297 | $20K |
| Short-term disability | THE UNION LABOR LIFE INS. CO. | 221 | $25K |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUE CROSS BLUE SHIELD | 195 | $0 |
| Other | THE UNION LABOR LIFE INS. CO. | 221 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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.