| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LILA MARKETING LLC | — | DAVIS VISION | $8K | — | $8K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCELLUS BLUECROSS BLUESHIELD EIN 15-0329043 NONE | Claims processing; Contract Administrator Service code 12 | 333 BUTTERNUT DRIVE SYRACUSE, NY 13214 | $270K |
| ONE GROUP NY INC. EIN 16-1593071 NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | 5232 WITZ DRIVE NORTH SYRACUSE, NY 13212 | $36K |
| MEKETA INVESTMENT GROUP EIN 04-2659023 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | 100 LOWDER BROOKE DRIVE WESTWOOD, MA 02090 | $32K |
| GALLAGHER BENEFIT SERVICES EIN 20-2532319 NONE | Direct payment from the plan; Consulting (general) Service code 16 | 85 CHESTNUT RIDGE ROAD SUITE 214 MONTVALE, NJ 07645 | $31K |
| COHEN, WEISS AND SIMON NONE | Legal Service code 29 | 909 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 100224731 | $19K |
| MORGAN, LEWIS & BOCKIUS, LLP EIN 23-0891050 NONE | Legal Service code 29 | PO BOX 8500 S-6050 PHILADELPHIA, PA 19178 | $9K |
| D'ARCANGELO & CO., LLP EIN 13-2550103 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 120 LOMOND CT UTICA, NY 13502 | $9K |
| LOOMIS SAYLES & COMPANY EIN 04-3200030 NONE | Investment management fees paid directly by plan Service code 51 | ONE FINANCIAL CENTER BOSTON, MA 02111 | $8K |
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 | 649 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 649 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | DAVIS VISION | 915 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 915 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.