| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC Filed as: AP BENEFIT ADVISORS LLC | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | THE UNION LABOR LIFE INSURANCE COMPANY | $63K | — | $63K | 17.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCELLUS BLUECROSS BLUESHIELD EIN 15-0329043 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $272K |
| DELTA DENTAL EIN 11-1980218 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $254K |
| LABORERS LOCAL 785 PENSION PLAN EIN 16-6062418 RELATED PARTY/SHARED EXP. | Direct payment from the plan; Other services Service code 49 | — | $85K |
| DAVIS VISION EIN 11-3051991 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $68K |
| CORNELL POCHILY EIN 26-1694165 NONE | Trustee (bank, trust company, or similar financial institution); Investment management fees paid directly by plan Service code 21 | — | $51K |
| BONADIO & CO., LLP EIN 16-1131146 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $30K |
| O'SULLIVAN ASSOCIATES EIN 20-8199367 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $15K |
| LIPSITZ GREEN SCIME CAMBRIA LLP NONE | Direct payment from the plan Service code 50 | 42 DELAWARE AVENUE, SUITE 120 BUFFALO, NY 14202 | $13K |
| LOCAL 785 BUILDING CORP RELATED PARTY/SHARED EXP. | Other services; Direct payment from the plan Service code 49 | 622 W. STATE STREET ITHACA, NY 14850 | $7K |
| PILOT CONSULTING INC. NONE | Direct payment from the plan; Other services Service code 49 | PO BOX 286 HOMER, NY 13077 | $5K |
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 | 398 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 398 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 403 | $370K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 403 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.