| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | EXCELLUS BLUECROSS BLUESHIELD PLAN | $5K | — | $5K | 4.00% |
| AP BENEFIT ADVISORS, LLC3 | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | AMERITAS LIFE INSURANCE CORP OF NY | $2K | — | $2K | 5.00% |
| AP BENEFIT ADVISORS, LLC3 | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | EXCELLUS BLUECROSS BLUESHIELD PLAN | $360 | — | $360 | 1.84% |
| AP BENEFIT ADVISORS, LLC3 | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | EXCELLUS BLUECROSS BLUESHIELD PLAN | $949 | — | $949 | 5.50% |
| AP BENEFIT ADVISORS, LLC4 | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 9.99% |
| ENV INSURANCE AGENCY LLC3 Filed as: ENV INSURANCE AGENCY | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $439 | — | $439 | 9.99% |
| AP BENEFIT ADVISORS, LLC5 | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $397 | $56 | $453 | 11.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLITMAN & KING, LLP EIN 16-1047304 NONE | Legal Service code 29 | 443 NORTH FRANKLIN STREET SYRACUSE, NY 13204 | $30K |
| D'ARCANGELO & CO., LLP EIN 13-2550103 NONE | Accounting (including auditing) Service code 10 | 120 LOMOND COURT UTICA, NY 13502 | $11K |
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 196 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 338 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | EXCELLUS BLUECROSS BLUESHIELD PLAN | 8 | $131K |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP OF NY | 110 | $46K |
| Vision(3 contracts, 3 carriers) | AMERITAS LIFE INSURANCE CORP OF NY | 142 | $59K |
| Prescription drug(2 contracts) | EXCELLUS BLUECROSS BLUESHIELD PLAN | 8 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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."
No prospect flags tripped on this filing.