| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENV INSURANCE AGENCY LLC3 Filed as: ENV INSURANCE AGENCY, LLC | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | THE UNION LABOR LIFE INSURANCE COMPANY | $21K | — | $21K | 17.00% |
| MICHELLE ALLETZHAUSER3 Filed as: MICHELLE M. ALLETZHAUSER | 316 S. MAIN STREET SYRACUSE, NY 13212 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 5.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $95K |
| M&T TRUST COMPANY EIN 16-6265706 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $56K |
| BLITMAN & KING, LLP EIN 16-1047304 NONE | Legal; Direct payment from the plan Service code 29 | — | $35K |
| IRON WORKERS UNION LOCAL NO. 60 EIN 15-0347910 ADMINISTRATIVE | Contract Administrator; Direct payment from the plan Service code 13 | — | $31K |
| DERMODY, BURKE & BROWN, CPAS, LLC EIN 01-0723685 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $16K |
| PROFLEX ADMINISTRATORS, LLC EIN 45-3261121 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $14K |
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 | 393 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 180 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 573 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 166 | $64K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 122 | $126K |
| Other | HARTFORD LIFE AND ACCIDENT | 166 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.