| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID FEINSTEIN3 | 3 PENN PLAZA EAST NEWARK, NJ 07105 | EMBLEMHEALTH | $54K | — | $54K | 3.85% |
| FAGE BENEFITS SOLUTIONS LLC3 | PARKWAY PLAZA II 30 UNDERCLIFF AVENUE ELMSFORD, NY 10523 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $28K | — | $28K | 2.30% |
| DAVID FEINSTEIN3 Filed as: DAVID S. FEINSTEIN | 3 PENN PLAZA EAST NEWARK, NJ 07105 | EMBLEMHEALTH | $25K | — | $25K | 3.85% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | EMPIRE HEALTHCHOICE HMO INC | $4K | — | $4K | 1.29% |
| DAVID FEINSTEIN3 | 3 PENN PLAZA EAST NEWARK, NJ 07105 | EMBLEMHEALTH | $4K | — | $4K | 4.00% |
| FAGE BENEFITS SOLUTIONS LLC3 Filed as: FAGE BENEFIT SOLUTIONS LLC | PARKWAY PLAZA II 30 UNDERCLIFF AVENUE ELMSFORD, NY 10523 | SOLSTICE BENEFITS INC. | $2K | — | $2K | 9.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DIOSCURI ADMINISTRATOR INC. EIN 11-3048631 CONTRACT ADMINISTRATOR | Direct payment from the plan; Contract Administrator Service code 13 | POB 604921 BAYSIDE, NY 11360 | $151K |
| BARNES, IACCARINO & SHEPHERD LLP EIN 26-3858697 ATTORNEY | Legal; Direct payment from the plan Service code 29 | 3 SURREY LANE HEMPSTEAD, NY 11550 | $15K |
| WAGNER & ZWERMAN LLP EIN 11-2836481 ACCOUNTANT | Accounting (including auditing); Direct payment from the plan Service code 10 | 201 OLD COUNTRY ROAD STE 202 MELVILLE, NY 11747 | $12K |
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 | 365 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 367 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | EMBLEMHEALTH | 242 | $3.7M |
| Dental | SOLSTICE BENEFITS INC. | 90 | $20K |
| Other(4 contracts) | EMBLEMHEALTH | 212 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.