| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GUNDERMAN & GUNDERMAN3 | 175 WEST CARVER STREET HUNTINGTON, NY 11743 | AETNA LIFE INSURANCE CO | $40K | — | $40K | 1.43% |
| MAGNACARE NETWORK3 Filed as: MAGNACARE | 825 EAST GATE BLVD GARDEN CITY, NY 11735 | GERBER LIFE INSURANCE COMPANY TRU SERVICES, LLC | — | $38K | $38K | 5.00% |
| GUNDERMAN & GUNDERMAN3 | 175 WEST CARVER STREET HUNTINGTON, NY 11743 | AETNA LIFE INSURANCE CO. | $7K | — | $7K | 10.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BERDON LLP EIN 13-0485070 NONE | Accounting (including auditing) Service code 10 | — | $392K |
| IUOE LOCAL 138 APPRENTICE TRAINING EIN 11-2000172 NONE | Other services; Direct payment from the plan Service code 49 | — | $190K |
| MAGNACARE EIN 11-3410766 NONE | Claims processing Service code 12 | — | $177K |
| PITTA LLP EIN 26-3852082 NONE | Legal Service code 29 | — | $143K |
| IUOE LOCAL 138 ANNUITY FUND EIN 11-2653717 AFFILIATED BENEFIT PLAN | Other services; Direct payment from the plan Service code 49 | — | $95K |
| DENTACARE DELIVERY SYSTEMS EIN 11-2480692 NONE | Claims processing Service code 12 | — | $93K |
| CST DESIGNS EIN 20-2593122 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $91K |
| LISA HARDEN EIN 11-1628170 EMPLOYEE | Employee (plan) Service code 30 | — | $86K |
| ANNE MCCDONNAUGH EIN 11-1628170 EMPLOYEE | Employee (plan) Service code 30 | — | $83K |
| 138 BOULEVARD BUILDING CORP EIN 11-6010819 AFFILIATED BUILDING CORP | Direct payment from the plan; Other services Service code 49 | — | $70K |
| ARCHER BYINGTON GLENNON & LEVINE EIN 26-0873462 NONE | Legal Service code 29 | — | $66K |
| TINA SIRAGUSA EIN 11-1628170 EMPLOYEE | Employee (plan) Service code 30 | — | $47K |
| HEALTHPLEX EIN 11-2714365 NONE | Claims processing Service code 12 | — | $35K |
| JACLYN DUFFY EIN 11-1628170 EMPLOYEE | Employee (plan) Service code 30 | — | $32K |
| SUMMIT ACTUARIAL CONSULTING EIN 77-0645890 NONE | Actuarial Service code 11 | — | $28K |
| KEY DATA SYSTEMS NONE | Other services Service code 49 | 69 ASTOR AVENUE SAINT JAMES, NY 11780 | $19K |
| TRANSPORTATION WRITERS INC. NONE | Other services Service code 49 | 20 BROADHOLLOW ROAD, SUITE 100A MELVILLE, NY 11747 | $19K |
| MAIL FINANCE EIN 94-2984524 NONE | Other services Service code 49 | — | $13K |
| DECOTIS, FITZPATRICK, COLE & GIBLIN NONE | Legal Service code 29 | 500 FRANK W. BURR BLVD, SUITE 31 TEANECK, NJ 07666 | $13K |
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 | 702 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 405 | 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) | 1,107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AETNA LIFE INSURANCE CO. | 799 | $68K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY TRU SERVICES, LLC | 0 | $767K |
| Other | AETNA LIFE INSURANCE CO. | 799 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 799 | — |
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.