| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENV INSURANCE AGENCY LLC Filed as: ENV INSURANCE AGENCY, LLC. | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | THE UNION LABOR LIFE INSURANCE COMPANY | $14K | — | $14K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RICHARD DADDARIO JR. EMPLOYEE | Employee (plan sponsor) Service code 35 | 502 COURT STREET - SUITE 235 UTICA, NY 13502 | $132K |
| JUDITH KAHLER EMPLOYEE | Employee (plan sponsor) Service code 35 | 502 COURT STREET - SUITE 235 UTICA, NY 13502 | $86K |
| CARRIE CHRISTMAN EMPLOYEE | Employee (plan sponsor) Service code 35 | 502 COURT STREET - SUITE 235 UTICA, NY 13502 | $86K |
| BLITMAN & KING LLP EIN 16-1047304 NONE | Legal Service code 29 | SUITE 300, 443 N FRANKLIN STREET SYRACUSE, NY 13204 | $60K |
| POMCO, INC. EIN 15-0381548 NONE | Claims processing Service code 12 | — | $54K |
| DARCANGELO & CO., LLP EIN 13-2550103 NONE | Accounting (including auditing) Service code 10 | 120 LOMOND COURT UTICA, NY 13502 | $47K |
| UBS FINANCIAL SERVICES, INC EIN 13-2638166 NONE | Investment advisory (plan) Service code 27 | 1285 AVENUE OF THE AMERICAS NEW YORK, NY 10019 | $2K |
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 | 513 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 513 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 101 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 101 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.