| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POMCO, INC.3 Filed as: POMCO GROUP | 2425 JAMES STREET SYRACUSE, NY 13206 | THE UNION LABOR LIFE INSURANCE COMPANY | $18K | — | $18K | 14.37% |
| UPSTATE FINANCIAL SERVICES3 | 1031 WEST GENESEE STREET SYRACUSE, NY 13204 | THE UNION LABOR LIFE INSURANCE COMPANY | $3K | — | $3K | 2.00% |
| ENV INSURANCE AGENCY LLC3 Filed as: ENV INSURANCE AGENCY, LLC | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | THE UNION LABOR LIFE INSURANCE COMPANY | $808 | — | $808 | 0.63% |
| MICHELLE ALLETZHAUSER3 Filed as: MICHELLE M. ALLETZHAUSER | 8306 ANGLERS CLUB CICERO, NY 13039 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 4.24% |
| MICHELLE ALLETZHAUSER3 Filed as: MICHELLE M. ALLETZHAUSER | 8306 ANGLERS CLUB CICERO, NY 13039 | MVP HEALTH CARE | $166 | — | $166 | 2.10% |
| THOMAS M. HANLEY3 | 200 WOODLAWN TERRACE SYRACUSE, NY 13203 | MVP HEALTH CARE | $164 | — | $164 | 2.08% |
| MICHELLE ALLETZHAUSER3 Filed as: MICHELLE M. ALLETZHAUSER | 316 SOUTH MAIN STREET NORTH SYRACUSE, NY 13212 | EXCELLUS BLUECROSS BLUESHIELD | $145 | — | $145 | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| POMCO, INC. EIN 15-0381548 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $87K |
| BLITMAN & KING, LLP EIN 16-1047304 NONE | Legal; Direct payment from the plan Service code 29 | — | $50K |
| M&T TRUST COMPANY EIN 16-6265706 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $47K |
| IRON WORKERS UNION LOCAL NO. 60 EIN 15-0347910 ADMINISTRATIVE | Direct payment from the plan; Contract Administrator Service code 13 | — | $31K |
| DERMODY, BURKE & BROWN, CPAS, LLC EIN 01-0723685 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $20K |
| RICHARD W. HEIMERMAN, CPA, PC EIN 16-1537589 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $7K |
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 | 218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 134 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MVP HEALTH CARE | 1 | $12K |
| Life insurance | AETNA LIFE INSURANCE CO. | 172 | $62K |
| Short-term disability | AETNA LIFE INSURANCE CO. | 172 | $62K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 0 | $4K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 138 | $128K |
| Other | AETNA LIFE INSURANCE CO. | 172 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.