| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GUNDERMAN & GUNDERMAN3 | 175 WEST CARVER STREET HUNTINGTON, NY 11743 | AETNA | $40K | — | $40K | 1.48% |
| MAGNACARE NETWORK3 Filed as: MAGNACARE | 825 EAST GATE BLVD GARDEN CITY, NY 11735 | GERBER | $0 | — | $0 | 0.00% |
| GUNDERMAN & GUNDERMAN3 | 175 WEST CARVER STREET HUNTINGTON, NY 11743 | AETNA | $7K | — | $7K | 10.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BERDON LLP EIN 13-0485070 NONE | Accounting (including auditing) Service code 10 | — | $249K |
| LOCAL 138 APPRENTICE TRAINING FUND EIN 11-2000172 AFFILIATED BENEFIT FUND | Other services Service code 49 | — | $216K |
| LOCAL 138 IUOE EIN 11-0908470 AFFILIATED LOCAL UNION | Other services Service code 49 | — | $164K |
| MAGNACARE EIN 11-3410766 NONE | Insurance agents and brokers; Claims processing Service code 12 | — | $148K |
| DENTCARE DELIVERY SYSTEMS EIN 11-2480692 NONE | Claims processing; Insurance agents and brokers Service code 12 | — | $86K |
| LISA HARDEN EIN 11-1628170 EMPLOYEE | Employee (plan) Service code 30 | — | $84K |
| ANNE MCDONNAUGH EIN 11-1628170 EMPLOYEE | Employee (plan) Service code 30 | — | $81K |
| LOCAL 138 BOULEVARD BUILDING CORP EIN 11-6010819 AFFILIATED REAL EST HDG | Other services Service code 49 | — | $70K |
| PITTA & GIBLIN EIN 26-3852082 NONE | Legal Service code 29 | — | $67K |
| ARCHER, BYINGTON, GLENNON & LEVINE EIN 26-0873462 NONE | Legal Service code 29 | — | $66K |
| CST DESIGNS EIN 20-2593122 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general) Service code 15 | — | $50K |
| TINA SIRAGUSA EIN 11-1628170 EMPLOYEE | Employee (plan) Service code 30 | — | $45K |
| HEALTHPLEX EIN 11-2714365 NONE | Claims processing Service code 12 | — | $35K |
| SUMMIT ACTUARIAL CONSULTING EIN 77-0645890 NONE | Actuarial Service code 11 | — | $28K |
| TRANSPORTATION WRITERS INC. NONE | Claims processing Service code 12 | — | $13K |
| MAIL FINANCE EIN 94-2984524 NONE | Other services Service code 49 | — | $12K |
| LI VOICE NONE | Other services Service code 49 | — | $10K |
| ISLAND DIGITAL REPHOTOGRAPHICS NONE | Other services Service code 49 | — | $7K |
| STACEY BRAUN ASSOCIATES EIN 13-2889432 NONE | Investment management fees paid directly by plan; Investment management; Investment advisory (plan) Service code 27 | — | $5K |
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 | 699 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 415 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 1,114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AETNA | 791 | $66K |
| Stop-loss / reinsurancereinsurance | GERBER | 0 | $731K |
| Other | AETNA | 791 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 791 | — |
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."
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.