| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BPAS ACTUARIAL AND PENSION SERVICES3 | 706 NORTH CLINTON STREET SYRACUSE, NY 13204 | METROPOLITAN PROPERTY & CASUALTY COMPANY | $49K | — | $49K | 10.07% |
| CHRISTINE M. MCCULLUGH3 | 14715 NE 95TH ST STE 200 REDMOND, WA 98052 | FIRST UNUM LIFE INSURANCE COMPANY | $40K | — | $40K | 14.37% |
No Schedule C service providers reported on this filing.
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 | 15,241 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 97 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,338 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 1 | $38K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 22,427 | $3.2M |
| Short-term disability | FIRST RELIANCE STANDARD | 521 | $242K |
| Long-term disability | FIRST RELIANCE STANDARD | 12,803 | $2.7M |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 1 | $38K |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 22,427 | $5.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,427 | — |
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.