| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEGHAN CORNISH3 | 135 IDLEWOOD BLVD BALDWINSVILLE, NY 13027 | THE UNION LABOR LIFE INSURANCE COMPANY | $18K | — | $18K | 8.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PATRICIA REDHEAD EIN 16-6148181 PLAN ADMINISTRATOR | Direct payment from the plan; Plan Administrator Service code 14 | — | $128K |
| BRENDA DANN EIN 16-6148181 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $63K |
| JOSEPH W. MCCARTHY AND ASSOCIATES EIN 16-1120588 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $55K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $34K |
| BLITMAN & KING LLP EIN 16-1047304 NONE | Legal; Direct payment from the plan Service code 29 | — | $30K |
| BONADIO & CO., LLP EIN 16-1131146 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $19K |
| CARRIE REDDEN EIN 16-6148181 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $16K |
| O'SULLIVAN ASSOCIATES EIN 22-1837827 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $13K |
| INVESTMENT PERFORMANCE SERVICES LLC EIN 58-2432390 NONE | Investment management fees paid directly by plan; Direct payment from the plan Service code 50 | — | $10K |
| TPA CONSULTING SERVICES EIN 81-1341202 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $10K |
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 | 202 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 188 | $20K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 136 | $207K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 188 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.