| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | SIRIUS AMERICA INSURANCE COMPANY | $47K | — | $47K | 54.74% |
| 5BOROUGHS INSURANCE AGENCY INC3 | 1110 SOUTH AVENUE STATEN ISLAND, NY 10314 | EMBLEMHEALTH | $3K | — | $3K | 3.90% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LEAGUE OF INTERNATIONAL FEDERATED EIN 11-3358248 AFFILIATED UNION | Other services Service code 49 | 325 73RD STREET BROOKLYN, NY 11209 | $589K |
| JOHN N MONGELLO EIN 11-1708617 HUSBAND-KATHY MONGELLO | Employee (plan) Service code 30 | 2 WEBSTER DRIVE FREEHOLD, NJ 07728 | $344K |
| JESSICA GAMBINO EIN 11-1708617 DAUGHTER-KATHY MONGELLO | Employee (plan) Service code 30 | 8 IROQUOIS DRIVE MANALAPAN, NJ 07726 | $193K |
| ADEPTUS PARTNERS CPAS, LLC EIN 20-1835208 NONE | Accounting (including auditing) Service code 10 | 390 N BROADWAY SUITE 120 JERICHO, NY 11753 | $92K |
| DEBORAH J SPADARO EIN 11-1708617 NONE | Employee (plan) Service code 30 | 1039 ROCKLAND AVENUE STATEN ISLAND, NY 10314 | $89K |
| EMPIRX HEALTH EIN 47-1226691 NONE | Claims processing; Contract Administrator Service code 12 | 155 CHESTNUT RIDGE ROAD MONTVALE, NJ 07645 | $81K |
| MONICA OLSZEWSKI EIN 11-1708617 NONE | Employee (plan) Service code 30 | 6764 78TH ST MIDDLE VILLAGE, NY 11379 | $78K |
| PHYLLIS E SCAFIDI EIN 11-1708617 NONE | Employee (plan) Service code 30 | 32 BAY 17TH STREET BROOKLYN, NY 11214 | $76K |
| UNITED LABOR SYSTEMS EIN 82-3261006 NONE | Consulting (general) Service code 16 | 360 E PARK AVENUE LONG BEACH, NY 11561 | $53K |
| KATHY MONGELLO EIN 11-1708617 WIFE-JOHN MONGELLO | Employee (plan) Service code 30 | 2 WEBSTER DRIVE FREEHOLD, NJ 07728 | $40K |
| MULTIPLAN, INC EIN 13-3068979 NONE | Contract Administrator Service code 13 | PO BOX 29395 GPO NEW YORK, NY 100879395 | $35K |
| VAC INSURANCE AGENCY EIN 11-2425357 NONE | Contract Administrator Service code 13 | 9712 3RD AVENUE BROOKLYN, NY 11209 | $29K |
| GENERAL VISION SERVICES, LLC EIN 11-3580576 NONE | Contract Administrator; Claims processing Service code 12 | 520 EIGHTH AVENUE STE 901 NEW YORK, NY 10018 | $27K |
| DANZIGER & MARKHOFF LLP EIN 13-3010201 NONE | Legal Service code 29 | 1133 WESTCHESTER AVENUE SUITE N208 WHITE PLAINS, NY 10604 | $20K |
| DDI LEASING, INC EIN 22-3369266 NONE | Consulting (general) Service code 16 | PO BOX 743 HOPATCONG, NJ 07843 | $20K |
| CLOUDSAFE GROUP LLC EIN 93-3338642 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 382 NE 191 ST MIAMI, FL 33179 | $14K |
| STARR, GERN, DAVISON & RUBIN PC EIN 22-3241223 AFFILIATED UNION ATTORNEY | Legal Service code 29 | 105 EISENHOWER PARKWAY SUITE 401 ROSELAND, NJ 070681640 | $12K |
| PAYCHEX EIN 16-1124166 NONE | Other fees Service code 99 | 102 MOTOR PKWY SUITE 300 HAUPPAUGE, NY 11788 | $10K |
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 | 788 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 788 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEMHEALTH | 7 | $85K |
| Dental | HEALTHPLEX | 497 | $190K |
| Stop-loss / reinsurancereinsurance | SIRIUS AMERICA INSURANCE COMPANY | 68 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 497 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.