| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENV INSURANCE AGENCY LLC3 | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | EXCELLUS BLUECROSS BLUESHIELD PLAN | $7K | — | $7K | 3.99% |
| ENV INSURANCE AGENCY LLC3 | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | AMERITAS LIFE INSURANCE CORP OF NY | $2K | — | $2K | 5.00% |
| ENV INSURANCE AGENCY LLC | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | EXCELLUS BLUECROSS BLUESHIELD PLAN | $24K | — | $24K | 100.00% |
| ENV INSURANCE AGENCY LLC | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | EXCELLUS BLUECROSS BLUESHIELD PLAN | $934 | — | $934 | 5.41% |
| ENV INSURANCE AGENCY LLC | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | HM LIFE INSURANCE CO. | $1K | — | $1K | 10.00% |
| AP BENEFIT ADVISORS, LLC | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $428 | $42 | $470 | 10.97% |
| ALLIANCE ADVISORY GRP INC Filed as: ALLIANCE ADVISORY GROUP, INC. | 350 ESSJAY D#301 WILLIAMSVILLE, NY 14221 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9 | — | $9 | 0.21% |
| ENV INSURANCE AGENCY LLC | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| 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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 186 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | EXCELLUS BLUECROSS BLUESHIELD PLAN | 8 | $207K |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP OF NY | 107 | $38K |
| Vision(3 contracts, 3 carriers) | AMERITAS LIFE INSURANCE CORP OF NY | 143 | $56K |
| Prescription drug(3 contracts) | EXCELLUS BLUECROSS BLUESHIELD PLAN | 8 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.