| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEEFE CONSULTING CORP3 | 17A BLACKBERRY LANE HUNTINGTON, NY 11743 | AETNA LIFE INSURANCE CO. | $41K | — | $41K | 2.25% |
| KEEFE CONSULTING CORP3 | 140 EAST MAIN STREET, SUITE 6 HUNTINGTON, NY 11743 | LIBERTY MUTUAL INSURANCE COMPANY | $61K | — | $61K | 5.00% |
| KEEFE CONSULTING CORP3 | 17A BLACKBERRY LANE HUNTINGTON, NY 11743 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $8K | — | $8K | 11.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BERDON LLP EIN 13-0485070 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $460K |
| IUOE LOCAL 138 APPRENTICE TRAINING EIN 11-2000172 AFFILIATED BENEFIT FUND | Direct payment from the plan; Other services Service code 49 | — | $311K |
| MAGNACARE EIN 11-3410766 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $299K |
| CST DESIGNS EIN 20-2583122 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $290K |
| LISA HARDEN EIN 11-1628170 EMPLOYEE | Employee (plan) Service code 30 | — | $104K |
| 138 BOULEVARD BUILDING CORP EIN 11-6010819 AFFILIATED BUILDING | Other services; Direct payment from the plan Service code 49 | — | $102K |
| ANNE MCCDONNAUGH EIN 11-1628170 EMPLOYEE | Employee (plan) Service code 30 | — | $100K |
| OPTUM RX EIN 33-0441200 NONE | Direct payment from the plan; Claims processing; Float revenue; Other fees Service code 12 | — | $85K |
| IUOE LOCAL 138 EIN 11-0908470 AFFILIATED LOCAL UNION | Other services; Direct payment from the plan Service code 49 | — | $79K |
| KMR SYSTEMS CORP EIN 13-3192128 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $78K |
| PITTA LLP EIN 26-3852082 NONE | Legal; Direct payment from the plan Service code 29 | — | $71K |
| ARCHER BYINGTON GLENNON & LEVINE EIN 26-0873462 NONE | Legal; Direct payment from the plan Service code 29 | — | $66K |
| TINA SIRAGUSA EIN 11-1628170 NONE | Employee (plan) Service code 30 | — | $58K |
| DDS SERVICES, INC. EIN 11-2705347 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $56K |
| IUOE LOCAL 138 ANNUITY FUND EIN 11-2653717 AFFILIATED BENEFIT FUND | Other services; Direct payment from the plan Service code 49 | — | $40K |
| LABOR SYSTEMS SERVICES LLC NONE | Direct payment from the plan Service code 50 | PO BOX 189 TYLER HILL, PA 18469 | $33K |
| SUMMIT ACTUARIAL CONSULTING EIN 77-0645890 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $30K |
| UBS FINANCIAL SERVICES INC EIN 13-2638166 NONE | Investment management; Custodial (securities); Investment management fees paid directly by plan Service code 19 | — | $29K |
| LI VOICE EIN 27-1073464 NONE | Direct payment from the plan; Other services Service code 49 | — | $10K |
| ISLAND DIGITAL REPROGRAPHICS NONE | Direct payment from the plan; Other services Service code 49 | 200 BROADHOLLOW RD, STE ONE FARMINGDALE, NY 11735 | $7K |
| APPRIVER, LLC EIN 36-4493897 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 15 | — | $7K |
| STACEY BRAUN ASSOCIATES, INC. EIN 13-2889432 NONE | Direct payment from the plan; Investment management Service code 28 | — | $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 | 1,569 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 254 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,823 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 909 | $69K |
| Stop-loss / reinsurancereinsurance | LIBERTY MUTUAL INSURANCE COMPANY | 1,045 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,045 | — |
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.