| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | DBA ENV INSURANCE AGENCY, LLC 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | THE UNION LABOR LIFE INSURANCE COMPANY | $28K | — | $28K | 17.00% |
| MICHELLE ALLETZHAUSER3 Filed as: MICHELLE M. ALLETZHAUSER | 316 S. MAIN STREET SYRACUSE, NY 13212 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 5.00% |
| AP BENEFIT ADVISORS, LLC3 | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | GUARDIAN | $588 | $82 | $670 | 11.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $92K |
| M&T TRUST COMPANY EIN 16-6265706 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $91K |
| BLITMAN & KING, LLP EIN 16-1047304 NONE | Legal; Direct payment from the plan Service code 29 | — | $37K |
| IRON WORKERS UNION LOCAL NO. 60 EIN 15-0347910 ADMINISTRATIVE | Direct payment from the plan; Contract Administrator Service code 13 | — | $36K |
| DERMODY, BURKE & BROWN, CPAS, LLC EIN 01-0723685 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $26K |
| BENEFIT RESOURCES, LLC EIN 16-1428488 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $13K |
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 | 303 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 360 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 663 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | GUARDIAN | 145 | $6K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 182 | $76K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 111 | $165K |
| Other | HARTFORD LIFE AND ACCIDENT | 182 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.