| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEEFE CONSULTING CORP3 | 17A BLACKBERRY LANE HUNTINGTON, NY 11743 | AETNA LIFE INSURANCE CO. | $47K | — | $47K | 2.73% |
| KEEFE CONSULTING CORP3 | 17A BLACKBERRY LANE HUNTINGTON, NY 11743 | LIBERTY INSURANCE UNDERWRITERS, INC. | $43K | — | $43K | 5.01% |
| KEEFE CONSULTING CORP3 | 17A BLACKBERRY LANE HUNTINGTON, NY 11743 | AETNA LIFE INSURANCE CO | $7K | — | $7K | 3.89% |
| KEEFE CONSULTING CORP3 | 17A BLACKBERRY LANE HUNTINGTON, NY 11743 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $6K | — | $6K | 10.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BERDON LLP EIN 13-0485070 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $343K |
| IUOE LOCAL 138 APPRENTICE TRAINING EIN 11-2000172 AFFILIATED BENEFIT FUND | Direct payment from the plan; Other services Service code 49 | — | $275K |
| MAGNACARE EIN 11-3410766 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $203K |
| CST DESIGNS EIN 20-2583122 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $175K |
| IUOE LOCAL 138 EIN 11-0908470 AFFILIATED LOCAL UNION | Other services; Direct payment from the plan Service code 49 | — | $131K |
| PITTA LLP EIN 26-3852082 NONE | Legal; Direct payment from the plan Service code 29 | — | $128K |
| 138 BOULEVARD BUILDING CORP EIN 11-6010819 AFFILIATED BUILDING | Other services; Direct payment from the plan Service code 49 | — | $102K |
| LISA HARDEN EIN 11-1628170 EMPLOYEE | Employee (plan) Service code 30 | — | $96K |
| ANNE MCCDONNAUGH EIN 11-1628170 EMPLOYEE | Employee (plan) Service code 30 | — | $92K |
| ARCHER BYINGTON GLENNON & LEVINE EIN 26-0873462 NONE | Legal; Direct payment from the plan Service code 29 | — | $66K |
| DDS SERVICES, INC. EIN 11-2705347 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $48K |
| IUOE LOCAL 138 ANNUITY FUND EIN 11-2653717 AFFILIATED BENEFIT FUND | Direct payment from the plan; Other services Service code 49 | — | $48K |
| TINA SIRAGUSA EIN 11-1628170 NONE | Employee (plan) Service code 30 | — | $47K |
| OPTUM RX EIN 33-0441200 NONE | Other fees; Direct payment from the plan; Claims processing; Float revenue Service code 12 | — | $38K |
| MERRILL LYNCH EIN 13-5674085 NONE | Direct payment from the plan; Custodial (securities); Investment management Service code 19 | — | $32K |
| KATHLEEN MURPHY EIN 11-1628170 EMPLOYEE | Employee (plan) Service code 30 | — | $27K |
| SUMMIT ACTUARIAL CONSULTING EIN 77-0645890 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $22K |
| STACEY BRAUN ASSOCIATES NONE | Investment management Service code 28 | 377 BROADWAY NEW YORK, NY 10013 | $6K |
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 | 900 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 612 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,512 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 909 | $58K |
| Stop-loss / reinsurancereinsurance | LIBERTY INSURANCE UNDERWRITERS, INC. | 881 | $851K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 909 | — |
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.