| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UPSTATE FINANCIAL SERVICES | 2105 W GENESEE STREET SYRACUSE, NY 13219 | MVP HEALTHCARE | — | — | $0 | 0.00% |
| UPSTATE FINANCIAL SERVICES Filed as: UPSTATE FINANCIAL | 2105 W GENESEE STREET SYRACUSE, NY 13219 | MVP HEALTHCARE | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KRIS WILLIAMSON EMPLOYEE | Plan Administrator Service code 14 | — | $64K |
| KARPUS INVESTMENT MANAGEMENT CONSULTANT | Legal Service code 29 | 183 SULLYS TRAIL PITTSFORD, NY 14354 | $56K |
| BLITMAN AND KING LEGAL COUNSEL | Accounting (including auditing) Service code 10 | 16 WEST MAIN STREET ROCHESTER, NY 14614 | $51K |
| STOKES,VISCA,HUCKO & BARONE CPA,LLC EIN 47-4215313 AUDITOR | Accounting (including auditing) Service code 10 | 29 GOODWAY DRIVE ROCHESTER, NY 14623 | $20K |
| MOYER AND ASSOCIATES PC ATTORNEY | Legal Service code 29 | 28 EAST MAIN STREET SUITE 900 ROCHESTER, NY 14614 | $19K |
| ONE DIGITAL INVESTMENT ADVISORS,LLC CONSULTANT | Legal Service code 29 | PO BOX 735399 DALLAS, TX 75373 | $15K |
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 | 1,355 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 314 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 887 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 8 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 2,564 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(17 contracts, 5 carriers) | MVP HEALTHCARE | 174 | $5.4M |
| Dental(7 contracts) | EXCELLUS BLUE CROSS BLUE SHIELD | 291 | $1.9M |
| Vision | DAVIS VISION | 1,148 | $194K |
| Prescription drug(10 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 49 | $2.4M |
| Other | ULLICO LIFE INSURANCE | 246 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,148 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.