| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NYSUT MEMBER BENEFITS TRUST2 | 800 TROY SCHENECTADY RD LATHAM, NY 12110 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1.8M | $1.8M | 7.73% |
| AMBA3 | 12421 MEREDITH DRIVE URBANDALE, IA 50398 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1.7M | $1.7M | 7.35% |
| NYSUT MEMBER BENEFITS TRUST2 | 800 TROY-SCHENECTADY RD LATHAM, NY 12110 | METROPOLITAN LIFE INSURANCE COMPANY | — | $220K | $220K | 2.18% |
| NYSUT MEMBER BENEFITS TRUST2 | 800 TROY SCHENECTADY RD LATHAM, NY 12110 | DELTA DENTAL OF NEW YORK | $111K | — | $111K | 1.11% |
| RIDGEMONT INC.3 Filed as: RIDGEMONT INC | 48 RIDGEMONT DR HOPEWELL JUNCTION, NY 12533 | DELTA DENTAL OF NEW YORK | $5K | — | $5K | 0.05% |
| AON CONSULTING INC4 Filed as: AON RISK SOLUTIONS | 1 N WHITE HORSE PIKE 2ND FL HAMMONTON, NJ 08037 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $397K | $264K | $661K | 6.80% |
| NYSUT MEMBER BENEFITS TRUST2 | 800 TROY SCHENECTADY RD LATHAM, NY 12110 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | — | $100K | $100K | 1.03% |
| NYSUT MEMBER BENEFITS TRUST2 | 800 TROY SCHENECTADY ROAD LATHAM, NY 12110 | METROPOLITAN LIFE INSURANCE COMPANY | — | $273K | $273K | 5.00% |
| P&A ADMINISTRATIVE SERVICES5 Filed as: P&A ADMINISTRATIVE SERVICES, INC | 17 COURT STREET, SUITE 500 BUFFALO, NY 14202 | METROPOLITAN LIFE INSURANCE COMPANY | — | $55K | $55K | 1.01% |
| AMBA3 | 12421 MEREDITH DRIVE URBANDALE, IA 50398 | METROPOLITAN LIFE INSURANCE COMPANY | — | $232K | $232K | 7.35% |
| NYSUT MEMBER BENEFITS TRUST2 | 800 TROY SCHENECTADY ROAD LATHAM, NY 12110 | METROPOLITAN LIFE INSURANCE COMPANY | — | $212K | $212K | 6.73% |
| NYSUT MEMBER BENEFITS TRUST2 | 800 TROY SCHENECTADY RD LATHAM, NY 121102424 | FIRST UNUM LIFE INSURANCE COMPANY | — | $85K | $85K | 4.98% |
| AMBA3 | 12421 MEREDITH DRIVE URBANDALE, IA 50398 | METROPOLITAN LIFE INSURANCE COMPANY | — | $223K | $223K | 13.53% |
| NYSUT MEMBER BENEFITS TRUST2 | 800 TROY SCHENECTADY ROAD LATHAM, NY 12110 | METROPOLITAN LIFE INSURANCE COMPANY | — | $82K | $82K | 5.00% |
| NYSUT MEMBER BENEFITS TRUST2 | 800 TROY SCHENECTADY RD LATHAM, NY 121102424 | FIRST UNUM LIFE INSURANCE COMPANY | $15K | $68K | $84K | 5.21% |
| ALTC FUNDING LLC3 | 16932 WOODINVILLE, REDMOND RD, A204 WOODINVILLE, WA 98072 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 15.74% |
| M3 TECHNOLOGY LLC0 Filed as: M3 TECHNOLOGY, LLC | 90 MATAWAN RD, SUITE 100 MATAWAN, NJ 07747 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 19.74% |
| US NATIONAL BENEFIT PARTNERS0 | 99 WOOD AVENUE, SUITE 501 ISELIN, NJ 08830 | TRUSTMARK INSURANCE COMPANY | $227 | — | $227 | 2.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NYSUT EIN 14-1584772 EMP ORGANIZATION | Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication; Direct payment from the plan; Other services Service code 15 | — | $9.4M |
| FELDMAN, KRAMER & MONACO, PC EIN 11-2543403 | Legal; Direct payment from the plan Service code 29 | — | $660K |
| RUTGERS HEALTH - UBHC EIN 22-1980408 | Direct payment from the plan; Other services Service code 49 | — | $476K |
| CALM.COM, INC EIN 45-5293119 | Direct payment from the plan; Other services Service code 49 | — | $440K |
| BENCHEMARK PRINTING INC EIN 14-1667467 | Direct payment from the plan; Copying and duplicating; Participant communication Service code 36 | — | $401K |
| STACEY BRAUN ASSOCIATES, INC EIN 13-2889432 | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $206K |
| DAVIS VISION EIN 11-3051991 | Claims processing; Direct payment from the plan Service code 12 | — | $192K |
| NYSUT MEMBER BENEFITS CORPORATION EIN 26-3989358 WHOLLY OWNED SUBSIDIARY | Other services; Participant communication; Direct payment from the plan Service code 38 | — | $185K |
| PJ GREEN INC EIN 16-0983758 | Participant communication; Direct payment from the plan Service code 38 | — | $172K |
| HALO BRANDED SOLUTIONS, INC EIN 03-0509520 | Direct payment from the plan; Participant communication Service code 38 | — | $154K |
| WELLINGTON TRUST COMPANY EIN 04-2755549 | Investment management; Investment management fees paid directly by plan; Direct payment from the plan Service code 28 | — | $78K |
| THE SEGAL COMPANY (EASTERN STATES) EIN 13-1835864 | Direct payment from the plan; Actuarial; Consulting (general); Consulting fees Service code 11 | — | $66K |
| WEAVER AND TIDWELL, LLP EIN 75-0786316 | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $56K |
| MEYER, SUOZZI, ENGLISH & KLEIN, PC EIN 11-2340639 | Legal; Direct payment from the plan Service code 29 | — | $55K |
| SEGAL SELECT INSURANCE SERVICES EIN 46-0619194 | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $31K |
| CITY OF NEW YORK CONTRIBUTING EMPLOYER | Other services; Direct payment from the plan Service code 49 | 450 WEST 33 ST, 4TH FLOOR NEW YORK, NY 10001 | $21K |
| SEGAL MARCO ADVISORS EIN 13-2646110 | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $20K |
| THE WAGNER LAW GROUP EIN 04-3323315 | Legal; Direct payment from the plan Service code 29 | — | $15K |
| FUTURE US LLC EIN 32-0668454 | Participant communication; Direct payment from the plan Service code 38 | — | $14K |
| NBT BANK, N.A. EIN 15-0395735 | Other services; Direct payment from the plan Service code 49 | — | $13K |
| FLIMP EIN 35-2432198 | Other services; Direct payment from the plan Service code 49 | — | $6K |
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 | 92,696 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 77,597 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 170,293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW YORK | 19,767 | $15.5M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,113 | $292K |
| Life insurance(6 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 79,911 | $37.9M |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 7,182 | $1.6M |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 7,182 | $3.3M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 17,494 | $11.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 79,911 | — |
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.