| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NYSUT MEMBER BENEFITS TRUST2 | 800 TROY SCHENECTADY RD LATHAM, NY 12110 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1.9M | $1.9M | 7.61% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT ADMIN LLC | 12421 MEREDITH DRIVE URBANDALE, IA 50398 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1.9M | $1.9M | 7.37% |
| NYSUT MEMBER BENEFITS TRUST2 | 800 TROY-SCHENECTADY RD LATHAM, NY 12110 | METROPOLITAN LIFE INSURANCE COMPANY | — | $235K | $235K | 2.13% |
| NYSUT MEMBER BENEFITS TRUST2 | 800 TROY SCHENECTADY RD LATHAM, NY 12110 | DELTA DENTAL OF NEW YORK | $250K | — | $250K | 2.29% |
| RIDGEMONT INC.3 | 48 RIDGEMONT DRIVE HOPEWELL JUNCTION, NY 12533 | DELTA DENTAL OF NEW YORK | $2K | — | $2K | 0.02% |
| AON CONSULTING INC4 Filed as: AON RISK SOLUTIONS | 897 12TH ST HAMMONTON, NJ 08037 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $436K | $277K | $713K | 7.11% |
| NYSUT MEMBER BENEFITS TRUST2 | 800 TROY SCHENECTADY RD LATHAM, NY 12110 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | — | $100K | $100K | 1.00% |
| NYSUT MEMBER BENEFITS TRUST2 | 800 TROY SCHENECTADY ROAD LATHAM, NY 12110 | METROPOLITAN LIFE INSURANCE COMPANY | — | $248K | $248K | 5.01% |
| P&A ADMINISTRATIVE SERVICES3 Filed as: P&A ADMINISTRATIVE SERVICES, INC. | 17 COURT STREET, SUITE 500 BUFFALO, NY 14202 | METROPOLITAN LIFE INSURANCE COMPANY | — | $56K | $56K | 1.13% |
| NYSUT MEMBER BENEFITS TRUST2 | 800 TROY SCHENECTADY ROAD LATHAM, NY 12110 | METROPOLITAN LIFE INSURANCE COMPANY | — | $205K | $205K | 7.61% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT ADMIN LLC | 12421 MEREDITH DRIVE URBANDALE, IA 50398 | METROPOLITAN LIFE INSURANCE COMPANY | — | $198K | $198K | 7.37% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | 12421 MEREDITH DRIVE URBANDALE, IA 50398 | METROPOLITAN LIFE INSURANCE COMPANY | — | $257K | $257K | 12.88% |
| NYSUT MEMBER BENEFITS TRUST2 | 800 TROY SCHENECTADY ROAD LATHAM, NY 12110 | METROPOLITAN LIFE INSURANCE COMPANY | — | $100K | $100K | 5.00% |
| NYSUT MEMBER BENEFITS TRUST2 | 800 TROY SCHENECTADY RD LATHAM, NY 121102424 | FIRST UNUM LIFE INSURANCE COMPANY | $15K | $72K | $87K | 4.86% |
| NYSUT MEMBER BENEFITS TRUST2 | 800 TROY SCHENECTADY RD LATHAM, NY 121102424 | FIRST UNUM LIFE INSURANCE COMPANY | — | $87K | $87K | 5.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NYSUT EIN 14-1584772 EMP ORGANIZATION | Direct payment from the plan; Other services; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $6.5M |
| RUTGERS HEALTH - UBHC EIN 22-1980408 | Other services; Direct payment from the plan Service code 49 | — | $736K |
| FELDMAN, KRAMER & MONACO, PC EIN 11-2543403 | Legal; Direct payment from the plan Service code 29 | — | $560K |
| BENCHEMARK PRINTING INC EIN 14-1667467 | Direct payment from the plan; Participant communication; Copying and duplicating Service code 36 | — | $442K |
| STACEY BRAUN ASSOCIATES, INC EIN 13-2889432 | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $229K |
| DAVIS VISION EIN 11-3051991 | Claims processing; Direct payment from the plan Service code 12 | — | $205K |
| PJ GREEN INC EIN 16-0983758 | Participant communication; Direct payment from the plan Service code 38 | — | $199K |
| HALO BRANDED SOLUTIONS, INC. EIN 03-0509520 | Direct payment from the plan; Participant communication Service code 38 | — | $194K |
| CALM.COM, INC. EIN 45-5293119 | Other services; Direct payment from the plan Service code 49 | — | $183K |
| NYSUT MEMBER BENEFITS CORPORATION EIN 26-3989358 WHOLLY OWNED SUBSIDIARY | Participant communication; Other services; Direct payment from the plan Service code 38 | — | $181K |
| MEYER, SUOZZI, ENGLISH & KLEIN, PC EIN 11-2340639 | Legal; Direct payment from the plan Service code 29 | — | $75K |
| THE SEGAL COMPANY (EASTERN STATES) EIN 13-1835864 | Actuarial; Consulting (general); Direct payment from the plan; Consulting fees Service code 11 | — | $63K |
| BUCHBINDER TUNICK & CO. LLP EIN 13-1578842 | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $55K |
| WELLINGTON TRUST COMPANY EIN 04-2755549 | Investment management; Investment management fees paid directly by plan; Direct payment from the plan Service code 28 | — | $49K |
| THE WAGNER LAW GROUP EIN 04-3323315 | Legal; Direct payment from the plan Service code 29 | — | $25K |
| SEGAL SELECT INSURANCE SERVICES EIN 46-0619194 | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $25K |
| BLUPROMOS LLC EIN 87-0862407 | Direct payment from the plan; Participant communication Service code 38 | — | $23K |
| CITY OF NEW YORK CONTRIBUTING EMPLOYER | Direct payment from the plan; Other services Service code 49 | 450 WEST 33 ST, 4TH FLOOR NEW YORK, NY 10001 | $23K |
| SEGAL MARCO ADVISORS EIN 13-2646110 | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $20K |
| CAMBRIDGE CREDIT COUNSELING CORP. EIN 04-3337726 | Direct payment from the plan; Other services Service code 49 | — | $20K |
| FUTURE US LLC EIN 32-0668454 | Direct payment from the plan; Participant communication Service code 38 | — | $13K |
| NBT BANK, N.A. EIN 15-0395735 | Other services Service code 49 | — | $9K |
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 | 85,290 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 77,126 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 162,416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW YORK | 20,945 | $15.9M |
| Vision | HM LIFE INSURANCE COMPANY | 2,071 | $283K |
| Life insurance(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 86,737 | $39.8M |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 7,278 | $1.8M |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 7,278 | $3.8M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 17,480 | $12.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 86,737 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.