| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MADISON CONSULTING GROUP, LLC | 100 S BEDFORD RD STE 340 MOUNT KISCO, NY 10549 | STANDARD SECURITY LIFE INSURANCE COMPANY OF NEW YORK | — | — | $0 | 0.00% |
| QUANTUM FINANCIAL STRATEGIES3 Filed as: QUANTUM FINANCIAL STRATEGIES INC | 100 S BEDFORD RD STE 100 MOUNT KISCO, NY 105492555 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 6.59% |
| MMG AGENCY INC.3 Filed as: MMG AGENCY INC | 32 BROADWAY STE 1818 NEW YORK, NY 100041618 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $27 | $4K | 3.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES, INC, EIN 22-0999690 NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $1.3M |
| DICKINSON GROUP, LLC EIN 20-1241472 NONE | Actuarial; Direct payment from the plan; Consulting (general) Service code 11 | — | $124K |
| BUCHBINDER TUNICK & CO., LLP EIN 13-1578842 PROV SVCS REL ORG | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $93K |
| PITTA & GIBLIN, LLP EIN 26-3852082 PROV SVCS REL ORG | Legal; Direct payment from the plan Service code 29 | — | $84K |
| MIDIOR CONSULTING EIN 04-3340176 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $67K |
| AMY SLYVCHAK EIN 11-1782177 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $61K |
| ILIANA OROZCO EIN 11-1782177 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $53K |
| GLADYS RODRIGUEZ EIN 11-1782177 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $51K |
| DEBORAH GONZALEZ EIN 11-1782177 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $42K |
| RYAN LABS ASSET MANAGEMENT INC. EIN 47-3503928 NONE | Investment management Service code 28 | — | $38K |
| DECUSOFT EIN 02-0643827 NONE | Direct payment from the plan; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $30K |
| DIANE SCOTT EIN 11-1782177 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $22K |
| LOOMIS SAYLES & COMPANY, L.P. EIN 04-3200030 NONE | Investment management fees paid directly by plan; Soft dollars commissions; Investment management Service code 28 | — | $21K |
| INNOVATIVE COMPUTERS, INC. EIN 20-3500582 PROV SVCS REL ORG | Direct payment from the plan; Consulting (general) Service code 16 | — | $9K |
| AMALGAMATED BANK EIN 13-4920330 NONE | Investment management fees paid directly by plan; Custodial (securities) Service code 19 | — | $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 | 1,588 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,588 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,163 | $133K |
| Stop-loss / reinsurancereinsurance | STANDARD SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 1,661 | $939K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 2,163 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,163 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.