| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEEFE CONSULTING CORP3 | 17A BLACKBERRY LANE HUNTINGTON, NY 11743 | AETNA LIFE INSURANCE CO. | $44K | $0 | $44K | 2.30% |
| KEEFE CONSULTING CORP3 | 17A BLACKBERRY LANE HUNTINGTON, NY 11743 | UNITED STATES FIRE INSURANCE COMPANY | $51K | $0 | $51K | 5.00% |
| KEEFE CONSULTING CORP3 | 17A BLACKBERRY LANE HUNTINGTON, NY 11743 | AETNA LIFE INSURANCE CO | $3K | $0 | $3K | 2.01% |
| KEEFE CONSULTING CORP3 | 17A BLACKBERRY LANE HUNTINGTON, NY 11743 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BERDON LLP EIN 13-0485070 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $397K |
| IUOE LOCAL 138 APPRENTICE TRAINING EIN 11-2000172 AFFILIATED BENEFIT FUND | Other services; Direct payment from the plan Service code 49 | — | $267K |
| MAGNACARE EIN 11-3410766 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $221K |
| CST DESIGNS EIN 20-2583122 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $221K |
| IUOE LOCAL 138 ANNUITY FUND EIN 11-2653717 AFFILIATED BENEFIT FUND | Other services; Direct payment from the plan Service code 49 | — | $183K |
| PITTA LLP EIN 26-3852082 NONE | Legal; Direct payment from the plan Service code 29 | — | $156K |
| 138 BOULEVARD BUILDING CORP EIN 11-6010819 AFFILIATED BUILDING | Direct payment from the plan; Other services Service code 49 | — | $102K |
| LISA HARDEN EIN 11-1628170 EMPLOYEE | Employee (plan) Service code 30 | — | $98K |
| ANNE MCCDONNAUGH EIN 11-1628170 EMPLOYEE | Employee (plan) Service code 30 | — | $95K |
| IUOE LOCAL 138 EIN 11-0908470 AFFILIATED LOCAL UNION | Other services; Direct payment from the plan Service code 49 | — | $81K |
| ARCHER BYINGTON GLENNON & LEVINE EIN 26-0873462 NONE | Legal; Direct payment from the plan Service code 29 | — | $66K |
| TINA SIRAGUSA EIN 11-1628170 EMPLOYEE | Employee (plan) Service code 30 | — | $54K |
| DDS SERVICES, INC. EIN 11-2705347 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $50K |
| KATHLEEN MURPHY EIN 11-1628170 EMPLOYEE | Employee (plan) Service code 30 | — | $48K |
| OPTUM RX EIN 33-0441200 NONE | Float revenue; Claims processing; Other fees; Direct payment from the plan Service code 12 | — | $45K |
| SUMMIT ACTUARIAL CONSULTING EIN 77-0645890 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $29K |
| MERRILL LYNCH EIN 13-5674085 NONE | Custodial (securities); Investment management; Direct payment from the plan Service code 19 | — | $23K |
| UBS FINANCIAL SERVICES INC EIN 13-2638166 NONE | Investment management; Custodial (securities); Investment management fees paid directly by plan; Other fees Service code 19 | — | $11K |
| KMR SYSTEMS CORP EIN 13-3192128 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $7K |
| STACY 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 | 933 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 437 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,370 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 909 | $64K |
| Stop-loss / reinsurancereinsurance | UNITED STATES FIRE INSURANCE COMPANY | 964 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 964 | — |
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.