| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRENDAN KEEFE3 | 17A BLACKBERRY LANE HUNTINGTON, NY 11743 | AETNA LIFE INSURANCE CO | $19K | — | $19K | 0.71% |
| GUNDERMAN & GUNDERMAN3 | 175 WEST CARVER STREET HUNTINGTON, NY 11743 | AETNA LIFE INSURANCE CO | $10K | — | $10K | 0.36% |
| KEEFE CONSULTING CORP3 | 17A BLACKBERRY LANE HUNTINGTON, NY 11743 | AETNA LIFE INSURANCE CO | $10K | — | $10K | 0.36% |
| KEEFE CONSULTING CORP3 | 17A BLACKBERRY LANE HUNTINGTON, NY 11743 | GERBER LIFE INSURANCE COMPANY | $27K | — | $27K | 3.36% |
| MAGNACARE ADMINISTRATIVE SERVICES3 | 1600 STEWART AVENUE WESTBURY, NY 11590 | GERBER LIFE INSURANCE COMPANY | $13K | — | $13K | 1.64% |
| BRENDAN KEEFE3 | 17A BLACKBERRY LANE HUNTINGTON, NY 11743 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 4.59% |
| GUNDERMAN & GUNDERMAN3 | 175 WEST CARVER STREET HUNTINGTON, NY 11743 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 3.36% |
| KEEFE CONSULTING CORP3 | 17A BLACKBERRY LANE HUNTINGTON, NY 11743 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 2.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BERDON LLP EIN 13-0485070 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $398K |
| IUOE LOCAL 138 EIN 11-0908470 AFFILIATED LOCAL UNION | Other services; Direct payment from the plan Service code 49 | — | $277K |
| MAGNACARE EIN 11-3410766 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $202K |
| IUOE LOCAL 138 APPRENTICE TRAINING EIN 11-2000172 AFFILIATED BENEFIT FUND | Other services; Direct payment from the plan Service code 49 | — | $172K |
| CST DESIGNS EIN 20-2583122 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $147K |
| IUOE LOCAL 138 ANNUITY FUND EIN 11-2653717 AFFILIATED BENEFIT FUND | Other services; Direct payment from the plan Service code 49 | — | $135K |
| LISA HARDEN EIN 11-1628170 EMPLOYEE | Employee (plan) Service code 30 | — | $93K |
| ANNE MCCDONNAUGH EIN 11-1628170 EMPLOYEE | Employee (plan) Service code 30 | — | $87K |
| 138 BOULEVARD BUILDING CORP EIN 11-6010819 AFFILIATED BUILDING | Direct payment from the plan; Other services Service code 49 | — | $70K |
| ARCHER BYINGTON GLENNON & LEVINE EIN 26-0873462 NONE | Legal; Direct payment from the plan Service code 29 | — | $66K |
| JACLYN DUFFY EIN 11-1628170 EMPLOYEE | Employee (plan) Service code 30 | — | $62K |
| PITTA LLP EIN 26-3852082 NONE | Legal; Direct payment from the plan Service code 29 | — | $60K |
| TINA SIRAGUSA EIN 11-1628170 NONE | Employee (plan) Service code 30 | — | $49K |
| DECOTIS, FITZPATRICK, COLE & GIBLIN NONE | Legal; Direct payment from the plan Service code 29 | 500 FRANK W. BURR BLVD, SUITE 31 TEANECK, NY 07666 | $49K |
| DENTACARE DELIVERY SYSTEMS EIN 11-2480692 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $44K |
| SUMMIT ACTUARIAL CONSULTING EIN 77-0645890 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $28K |
| DDS SERVICES, INC. EIN 11-2705347 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $19K |
| HEALTHPLEX EIN 11-2714365 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $17K |
| APPRIVER, LLC EIN 36-4493897 NONE | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $8K |
| KEY DATA SYSTEMS EIN 11-2925885 NONE | Direct payment from the plan; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $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 | 907 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 576 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,483 | 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 | 839 | $792K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 839 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.