| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA ENV INS | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | EXCELLUS BLUECROSS BLUESHIELD | $46K | — | $46K | 4.13% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA ENV INS | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | EXCELLUS BLUECROSS BLUESHIELD | $3K | — | $3K | 11.23% |
| ENV INSURANCE AGENCY LLC3 Filed as: ENV INSURANCE AGENCY, LLC. | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | THE UNION LABOR LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| ASSUREDPARTNERS Filed as: AP BENEFIT ADVISORS LLC DBA ENV INS | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | METROPOLITAN LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RICHARD DADDARIO JR. EMPLOYEE | Employee (plan sponsor) Service code 35 | 202 TWIN OAKS DRIVE, SUITE 200A SYRACUSE, NY 13206 | $152K |
| CARRIE CHRISTMAN EMPLOYEE | Employee (plan sponsor) Service code 35 | 202 TWIN OAKS DRIVE, SUITE 200A SYRACUSE, NY 13206 | $124K |
| BLITMAN & KING LLP EIN 16-1047304 NONE | Legal Service code 29 | SUITE 300, 443 N FRANKLIN STREET SYRACUSE, NY 13204 | $34K |
| DARCANGELO & CO., LLP EIN 13-2550103 NONE | Accounting (including auditing) Service code 10 | 120 LOMOND COURT UTICA, NY 13502 | $24K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 26-4310844 NONE | Other investment fees and expenses; Investment advisory (plan); Custodial (securities) Service code 19 | TWO JERICO PLAZA JERICHO, NY 11753 | $18K |
| JOSEPH W. MCCARTHY & ASSOCIATES EIN 16-1120588 NONE | Accounting (including auditing) Service code 10 | 7644 ROUTE 31 WEST BALDWINSVILLE, NY 13027 | $13K |
| KATHLEEN MECH EMPLOYEE | Employee (plan sponsor) Service code 35 | 202 TWIN OAKS DRIVE, SUITE 200A SYRACUSE, NY 13206 | $11K |
| O'SULLIVAN ASSOCIATES INC EIN 20-8199367 NONE | Actuarial Service code 11 | 1236 BRACE RD STE E CHERRY HILL, NJ 08034 | $7K |
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 | 791 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 791 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 89 | $1.1M |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 97 | $29K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 176 | $13K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 176 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.