| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TITAN INS & EMPLOYEE BENEFITS3 Filed as: TITAN INS & EMPLOYEE BENEFITS AGENC | 610 CLINTON SQUARE ROCHESTER, NY 14604 | EXCELLUS BLUECROSS BLUESHIELD | $57K | — | $57K | 4.04% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO. | 333 WEST 34TH STREET NEW YORK, NY 100012402 | THE UNION LABOR LIFE INSURANCE COMPANY | $213 | — | $213 | 5.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PAULA KUDER EIN 23-7381527 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $62K |
| RICHARD BAKER EIN 23-7381527 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $47K |
| DONNA DIMARCO EIN 23-7381527 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $43K |
| BONADIO & CO., LLP EIN 16-1131146 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $41K |
| KARPUS INVESTMENT MANAGERS EIN 16-1290558 NONE | Custodial (securities); Direct payment from the plan Service code 19 | — | $38K |
| MORGAN STANLEY EIN 13-2919773 NONE | Custodial (securities); Securities brokerage commissions and fees; Direct payment from the plan; Other investment fees and expenses; Securities brokerage; Investment advisory (plan) Service code 19 | — | $19K |
| ROBERT PIZZO, ESQ. EIN 82-0553395 NONE | Legal; Direct payment from the plan Service code 29 | — | $12K |
| HARBRIDGE CONSULTING GROUP NONE | Actuarial; Direct payment from the plan Service code 11 | 110 W FAYETTE ST SYRACUSE, NY 13202 | $11K |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 106 | $1.4M |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 123 | $4K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 123 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.