| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | GUARDIAN | $4K | — | $4K | 9.30% |
| ENV INSURANCE AGENCY LLC3 Filed as: ENV INSURANCE AGENCY, LLC | 7789 OSWEGO RD LIVERPOOL, NY 13090 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $1K | — | $1K | 2.80% |
| AP BENEFIT ADVISORS, LLC3 | — | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $349 | — | $349 | 0.95% |
| ENV INSURANCE AGENCY LLC3 Filed as: ENV INSURANCE AGENCY, LLC | 7789 OSWEGO RD LIVERPOOL, NY 13090 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $970 | — | $970 | 2.80% |
| AP BENEFIT ADVISORS, LLC3 | — | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $328 | — | $328 | 0.95% |
| AP BENEFIT ADVISORS, LLC3 | 7789 OSWEGO RD LIVERPOOL, NY 13090 | HM LIFE INSURANCE COMPANY | $653 | — | $653 | 5.05% |
| ENV INSURANCE AGENCY LLC3 | 7789 OSWEGO RD LIVERPOOL, NY 13090 | HM LIFE INSURANCE COMPANY | $640 | — | $640 | 4.95% |
| AP BENEFIT ADVISORS, LLC3 | 7789 OSWEGO RD LIVERPOOL, NY 13090 | HARTFORD LIFE AND ACCIDENT | $126 | $12 | $138 | 13.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MAUREEN LEIB EIN 16-1198780 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $63K |
| SUSANNE CLOUTE EIN 16-1198780 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $37K |
| BLITMAN & KING EIN 16-1047304 NONE | Legal; Direct payment from the plan Service code 29 | — | $25K |
| BONADIO & CO., LLP EIN 16-1131146 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $14K |
| MANNING & NAPIER ADVISORS, LLC EIN 45-3328488 NONE | Investment management fees paid directly by plan; Direct payment from the plan Service code 50 | — | $12K |
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 | 764 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 764 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENT HEALTH | 4 | $45K |
| Dental(3 contracts, 3 carriers) | INDEPENDENT HEALTH | 721 | $92K |
| Vision(2 contracts, 2 carriers) | INDEPENDENT HEALTH | 269 | $58K |
| Life insurance(2 contracts, 2 carriers) | INDEPENDENT HEALTH | 14 | $46K |
| Short-term disability | INDEPENDENT HEALTH | 4 | $45K |
| Prescription drug(4 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 15 | $208K |
| Other(4 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 15 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 721 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.