| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENV INSURANCE AGENCY LLC3 Filed as: ENV INSURANCE AGENCY, LLC. | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | EXCELLUS BLUECROSS BLUESHIELD | $42K | — | $42K | 3.22% |
| ASSUREDPARTNERS Filed as: AP BENEFIT ADVISORS LLC DBA ENV INS | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | EXCELLUS BLUECROSS BLUESHIELD | $11K | — | $11K | 0.87% |
| ENV INSURANCE AGENCY LLC3 Filed as: ENV INSURANCE AGENCY, LLC. | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | EXCELLUS BLUECROSS BLUESHIELD | $4K | — | $4K | 8.36% |
| ASSUREDPARTNERS Filed as: AP BENEFIT ADVISORS LLC DBA ENV INS | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | EXCELLUS BLUECROSS BLUESHIELD | $774 | — | $774 | 1.63% |
| ENV INSURANCE AGENCY LLC3 Filed as: ENV INSURANCE AGENCY, LLC. | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | HM LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 10.00% |
| ENV INSURANCE AGENCY LLC3 Filed as: ENV INSURANCE AGENCY, LLC. | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | THE UNION LABOR LIFE INSURANCE COMPANY | $426 | — | $426 | 5.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RICHARD DADDARIO JR. EMPLOYEE | Employee (plan sponsor) Service code 35 | 202 TWIN OAKS DRIVE, SUITE 200A SYRACUSE, NY 13206 | $146K |
| CARRIE CHRISTMAN EMPLOYEE | Employee (plan sponsor) Service code 35 | 202 TWIN OAKS DRIVE, SUITE 200A SYRACUSE, NY 13206 | $119K |
| BLITMAN & KING LLP EIN 16-1047304 NONE | Legal Service code 29 | SUITE 300, 443 N FRANKLIN STREET SYRACUSE, NY 13204 | $27K |
| DARCANGELO & CO., LLP EIN 13-2550103 NONE | Accounting (including auditing) Service code 10 | 120 LOMOND COURT UTICA, NY 13502 | $20K |
| KATHLEEN MECH EMPLOYEE | Employee (plan sponsor) Service code 35 | 202 TWIN OAKS DRIVE, SUITE 200A SYRACUSE, NY 13206 | $12K |
| BONADIO & COMPANY, LLP EIN 16-1131146 NONE | Accounting (including auditing) Service code 10 | 6 WEMBLEY COURT ALBANY, NY 12205 | $12K |
| UBS FINANCIAL SERVICES, INC EIN 13-2638166 NONE | Investment advisory (plan) Service code 27 | 1285 AVENUE OF THE AMERICAS NEW YORK, NY 10019 | $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 | 711 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 711 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 120 | $1.3M |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 122 | $48K |
| Vision | HM LIFE INSURANCE COMPANY OF NEW YORK | 105 | $16K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 106 | $8K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 106 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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."
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.