| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENV INSURANCY AGENCY3 | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | EXCELLUS BLUE CROSS BLUE SHIELD | $126K | — | $126K | 2.42% |
| ENV INSURANCY AGENCY3 | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | HM LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| RAYMOND SINDONE3 Filed as: RAYMOND J SINDONE | 140 FIRESIDE LANE CAMILLUS, NY 13031 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 3.38% |
| MICHAEL A DIGIROLOMO3 | 5788 WIDEWATERS PARKWAY DEWITT, NY 13214 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 3.38% |
| MICHAEL KASCH3 | 7616 WILD TURKEY LIVERPOOL, NY 13090 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 3.32% |
| MARK FRANCIS3 | 5788 WIDEWATERS PARKWAY DEWITT, NY 13214 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 3.15% |
| STUART GROSSMAN3 | 8133 VERBECK DRIVE MANLIUS, NY 13104 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 2.79% |
| NATHANIEL GOLDMAN3 | NEW YORK LIFE DEWITT, NY 13214 | FIRST UNUM LIFE INSURANCE COMPANY | $909 | — | $909 | 1.69% |
| ENV INSURANCY AGENCY3 | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | FIRST UNUM LIFE INSURANCE COMPANY | $464 | — | $464 | 0.86% |
| RICHARD P HOPE3 | 8105 PORTOBELLO WAY LIVERPOOL, NY 13090 | FIRST UNUM LIFE INSURANCE COMPANY | $236 | — | $236 | 0.44% |
| CHARLES P HOPE3 | 14 NECTARINE AVE LIVERPOOL, NY 13090 | FIRST UNUM LIFE INSURANCE COMPANY | $158 | — | $158 | 0.29% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 GLASTONBURY, CT 06033 | FIRST UNUM LIFE INSURANCE COMPANY | $30 | — | $30 | 0.06% |
| JASON P MOODY3 | 138 SOFTWIND CIRCLE BALDWINSVILLE, NY 13027 | FIRST UNUM LIFE INSURANCE COMPANY | $25 | — | $25 | 0.05% |
| MICHAEL KASCH3 | 7616 WILD TURKEY LIVERPOOL, NY 13090 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 3.98% |
| RAYMOND SINDONE3 | 140 FIRESIDE LANE CAMILLUS, NY 13031 | FIRST UNUM LIFE INSURANCE COMPANY | $867 | — | $867 | 3.32% |
| MICHAEL A DIGIROLOMO3 | 5788 WIDEWATERS PARKWAY DEWITT, NY 13214 | FIRST UNUM LIFE INSURANCE COMPANY | $862 | — | $862 | 3.30% |
| MARK FRANCIS3 | 5788 WIDEWATERS PARKWAY DEWITT, NY 13214 | FIRST UNUM LIFE INSURANCE COMPANY | $788 | — | $788 | 3.02% |
| STUART GROSSMAN3 | 8133 VERBECK DRIVE MANLIUS, NY 13104 | FIRST UNUM LIFE INSURANCE COMPANY | $732 | — | $732 | 2.80% |
| NATHANIEL GOLDMAN3 | NEW YORK LIFE DEWITT, NY 13214 | FIRST UNUM LIFE INSURANCE COMPANY | $627 | — | $627 | 2.40% |
| RICHARD P HOPE3 | 8105 PORTOBELLO WAY LIVERPOOL, NY 13090 | FIRST UNUM LIFE INSURANCE COMPANY | $159 | — | $159 | 0.61% |
| ENV INSURANCY AGENCY3 | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | FIRST UNUM LIFE INSURANCE COMPANY | $130 | — | $130 | 0.50% |
| CHARLES P HOPE3 | 14 NECTARINE AVE LIVERPOOL, NY 13090 | FIRST UNUM LIFE INSURANCE COMPANY | $30 | — | $30 | 0.11% |
| JASON P MOODY3 | 138 SOFTWIND CIRCLE BALDWINSVILLE, NY 13027 | FIRST UNUM LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| RAYMOND SINDONE3 | 140 FIRESIDE LANE CAMILLUS, NY 13031 | FIRST UNUM LIFE INSURANCE COMPANY | $113 | — | $113 | 4.00% |
| MCIHAEL A DIGIROLOMO3 | 5788 WIDEWATERS PARKWAY DEWITT, NY 13214 | FIRST UNUM LIFE INSURANCE COMPANY | $113 | — | $113 | 4.00% |
| MICHAEL KASCH3 | 7616 WILD TURKEY LIVERPOOL, NY 13090 | FIRST UNUM LIFE INSURANCE COMPANY | $113 | — | $113 | 4.00% |
| MARK FRANCIS3 | 5788 WIDEWATERS PARKWAY DEWITT, NY 13214 | FIRST UNUM LIFE INSURANCE COMPANY | $113 | — | $113 | 4.00% |
| PAUL D CLARK3 Filed as: PAUL L WILSON | C/O WILSON FINANCIAL CONCEPTS MANLIUS, NY 13104 | FIRST UNUM LIFE INSURANCE COMPANY | $60 | — | $60 | 2.12% |
| STUART GROSSMAN3 | 8133 VERBECK DRIVE MANLIUS, NY 13104 | FIRST UNUM LIFE INSURANCE COMPANY | $70 | — | $70 | 4.76% |
| CHARLES P HOPE3 | 14 NECTARINE AVE LIVERPOOL, NY 13090 | FIRST UNUM LIFE INSURANCE COMPANY | $18 | — | $18 | 1.22% |
| RICHARD P HOPE3 | 8105 PORTOBELLO WAY LIVERPOOL, NY 13090 | FIRST UNUM LIFE INSURANCE COMPANY | $18 | — | $18 | 1.22% |
| ENV INSURANCY AGENCY3 | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LIFETIME BENEFIT SOLUTIONS EIN 16-1171765 THIRD PARTY ADMIN | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 115 CONTINUUM DR. LIVERPOOL, NY 13088 | $14K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 352 | $5.2M |
| Vision | HM LIFE INSURANCE COMPANY | 1,149 | $56K |
| Long-term disability(4 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 133 | $84K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 352 | $5.2M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,149 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.