| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CIVIL SERVICE EMPLOYEES ASSOCIATION | 143 WASHINGTON AVENUE ALBANY, NY 122102303 | METROPOLITAN LFE INSURANCE COMPANY | $332K | — | $332K | 21.63% |
| CIVIL SERVICE EMPLOYEES ASSOCIATION5 | 143 WASHINGTON AVENUE ALBANY, NY 122102303 | METROPOLITAN LFE INSURANCE COMPANY | — | -$139K | -$139K | -9.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLITMAN & KING EIN 16-1047304 | Legal Service code 29 | 443 NORTH FRANKLIN ST. SYRACUSE, NY 132045412 | $13K |
| MICHAEL A. TOBIN & ASSOCIATES, PC EIN 14-1731700 | Accounting (including auditing) Service code 10 | 40 BRITISH AMERICAN BLVD. LATHAM, NY 12110 | $7K |
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 | 2,569 | 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) | 2,569 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LFE INSURANCE COMPANY | 2,704 | $1.5M |
| Vision | METROPOLITAN LFE INSURANCE COMPANY | 2,704 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,704 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.