| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENV INSURANCE AGENCY LLC Filed as: ENV | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | THE UNION LABOR LIFE INSURANCE CO | $26K | — | $26K | 17.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCELLUS HEALTH PLAN INC EIN 15-0329043 3RD PARTY ADMINISTRATOR | Contract Administrator Service code 13 | 165 COURT STREET ROCHESTER, NY 14647 | $222K |
| BLITMAN & KING LLP EIN 16-1047304 ATTORNEY | Legal Service code 29 | 443 NORTH FRANKLIN ST SYRACUSE, NY 13204 | $40K |
| STACKEL & NAVARRA CPA PC EIN 16-1215909 AUDITOR | Accounting (including auditing) Service code 10 | 216 WASHINGTON ST SU 402 WATERTOWN, NY 13601 | $29K |
| BOLTON PARTNERS NORTHEAST INC EIN 27-3666661 ACTUARY | Actuarial Service code 11 | 2277 STATE HYW 3 SU 409 TRENTON, NJ 08690 | $25K |
| C.S. MCKEE LP EIN 25-1900687 INVESTMENT MANAGER | Investment management Service code 28 | ONE GATEWAY CENTRE PITTSBURGH, PA 15222 | $16K |
| HIGHTOWER ADVISORS MORGIA GRP EIN 36-4500709 INVESTMENT ADVISOR | Investment advisory (plan) Service code 27 | 151 MULLIN ST WATERTOWN, NY 13601 | $8K |
| MANNING & NAPIER EIN 16-0995736 INVESTMENT MANAGER | Investment management Service code 28 | 29 WOODCLIFF DRIVE FAIRPORT, NY 14450 | $6K |
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 | 371 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 111 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 482 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE CO | 360 | $9K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE CO | 328 | $156K |
| Other | THE UNION LABOR LIFE INSURANCE CO | 370 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.