| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCKINGHAM INSURANCE3 | 1250 BETHLEHEM PIKE, SUITE S212 HATFIELD, PA 19440 | THE UNION LABOR LIFE INSURANCE COMPANY | $16K | $82K | $98K | 6.01% |
| KEEFE CONSULTING CORP3 | 140 EAST MAIN STREET, SUITE 6 HUNTINGTON, NY 11743 | THE UNION LABOR LIFE INSURANCE COMPANY | $82K | — | $82K | 5.00% |
| KEEFE CONSULTING CORP3 | 17A BLACKBERRY LANE HUNTINGTON, NY 11743 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $21K | — | $21K | 14.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CITRIN COOPERMAN ADVISORS LLC EIN 87-2525370 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $561K |
| IUOE LOCAL 138 APPRENTICE TRAINING EIN 11-2000172 AFFILIATED BENEFIT FUND | Other services; Direct payment from the plan Service code 49 | — | $381K |
| CST DESIGNS EIN 20-2583122 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $368K |
| MAGNACARE EIN 11-3410766 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $315K |
| KMR SYSTEMS CORP EIN 13-3192128 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $124K |
| IUOE LOCAL 138 EIN 11-0908470 AFFILIATED LOCAL UNION | Other services; Direct payment from the plan Service code 49 | — | $116K |
| LISA HARDEN EIN 11-1628170 EMPLOYEE | Employee (plan) Service code 30 | — | $111K |
| ANNE MCCDONNAUGH EIN 11-1628170 EMPLOYEE | Employee (plan) Service code 30 | — | $108K |
| DDS SERVICES, INC. EIN 11-2705347 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $105K |
| 138 BOULEVARD BUILDING CORP EIN 11-6010819 AFFILIATED BUILDING | Direct payment from the plan; Other services Service code 49 | — | $102K |
| ARCHER BYINGTON GLENNON & LEVINE EIN 26-0873462 NONE | Legal; Direct payment from the plan Service code 29 | — | $69K |
| TINA SIRAGUSA 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 | — | $59K |
| IUOE LOCAL 138 ANNUITY FUND EIN 11-2653717 AFFILIATED BENEFIT FUND | Direct payment from the plan; Other services Service code 49 | — | $56K |
| UBS FINANCIAL SERVICES INC EIN 13-2638166 NONE | Investment management fees paid directly by plan; Custodial (securities); Investment management Service code 19 | — | $31K |
| JENNIFER MCCANDLESS EIN 11-1628170 EMPLOYEE | Employee (plan) Service code 30 | — | $31K |
| SUMMIT ACTUARIAL CONSULTING EIN 77-0645890 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $30K |
| OPTUM RX EIN 33-0441200 NONE | Float revenue; Other fees; Claims processing; Direct payment from the plan Service code 12 | — | $16K |
| ISLAND DIGITAL REPROGRAPHICS NONE | Other services; Direct payment from the plan Service code 49 | 200 BROADHOLLOW RD, STE ONE FARMINGDALE, NY 11735 | $12K |
| LI VOICE EIN 27-1073464 NONE | Other services; Direct payment from the plan Service code 49 | — | $9K |
| THE FAIRCHILD GROUP CONSULTING SERV NONE | Direct payment from the plan; Consulting (general) Service code 16 | 76 GRASSLANDS CIRCLE MOUNT SINAI, NY 11766 | $7K |
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 | 1,523 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 336 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,859 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 1,112 | $151K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,103 | $1.6M |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 1,112 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,112 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.