| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRITY UNDERWRITERS & BROKERS3 Filed as: INTEGRITY UNDERWRITERS AND BROKERS, | 4914 W. GENESSE STREET CAMILLUS, NY 13031 | AMALGAMATED LIFE INSURANCE CO | $79K | — | $79K | 15.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 90 JOHN MUIR DR. AMHERST, NY 14228 | RENAISSANCE LIFE & HEALTH INS. CO OF NY | $57 | — | $57 | 0.08% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS DBA ENV INSUR. | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | AMALGAMATED LIFE INSURANCE CO | — | $29 | $29 | 0.32% |
| INTEGRITY UNDERWRITERS & BROKERS3 Filed as: INTEGRITY UNDERWRITERS AND BROKERS, | 4914 W. GENESSE STREET CAMILLUS, NY 13031 | AMALGAMATED LIFE INSURANCE CO | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCELLUS BLUE CROSS BLUE SHIELD EIN 16-0992982 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $292K |
| HEALTHLOGIC LLC NONE | Other services; Direct payment from the plan Service code 49 | 33 OAK STREET BINGHAMTON, NY 13905 | $53K |
| SIEBA, LTD. EIN 16-1203699 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $38K |
| TEAMSTERS LOCAL UNION NO. 1149 EIN 16-6045613 RELATED PARTY | Direct payment from the plan; Plan Administrator Service code 14 | — | $33K |
| NOVAK FRANCELLA, LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $9K |
| SATTER LAW FIRM NONE | Legal; Direct payment from the plan Service code 29 | 217 SOUTH SALINA STREET SYRACUSE, NY 13202 | $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 | 598 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 606 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HM LIFE INSURANCE COMPANY | 161 | $20K |
| Life insurance | RENAISSANCE LIFE & HEALTH INS. CO OF NY | 538 | $67K |
| Long-term disability | AMALGAMATED LIFE INSURANCE CO | 37 | $9K |
| Stop-loss / reinsurancereinsurance | AMALGAMATED LIFE INSURANCE CO | 606 | $527K |
| Other | RENAISSANCE LIFE & HEALTH INS. CO OF NY | 538 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 606 | — |
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.