| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| QUANTUM FINANCIAL STRATEGIES3 Filed as: QUANTUM FINANCIAL STRATEGIES IN | 118 N BEDFORD RD STE 100 MOUNT KISCO, NY 105492555 | EMBLEMHEALTH | $295K | — | $295K | 6.00% |
| QUANTUM FINANCIAL STRATEGIES3 Filed as: QUANTUM FINANCIAL STRATEGIES IN | 118 N BEDFORD RD STE 100 MOUNT KISCO, NY 105492555 | USABLE LIFE | $23K | — | $23K | 15.00% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $8K | $8K | 5.00% |
| QUANTUM FINANCIAL STRATEGIES3 Filed as: QUANTUM FINANCIAL STRATEGIES IN | 118 N BEDFORD RD STE 100 MOUNT KISCO, NY 105492555 | SHELTERPOINT LIFE INSURANCE COMPANY | — | $3K | $3K | 1.99% |
| QUANTUM FINANCIAL STRATEGIES Filed as: QUANTUM FINANCIAL STRATEGIES IN | 118 N BEDFORD RD STE 100 MOUNT KISCO, NY 105492555 | SHELTERPOINT LIFE INSURANCE COMPANY | $3K | — | $3K | 4.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMBLEM HEALTH EIN 13-5511997 NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $1.1M |
| BUCHBINDER TUNICK & CO., LLP EIN 13-1578842 PROV SVCS REL ORG | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $86K |
| MOGILA LAW GROUP, LLC EIN 87-2593727 PROV SVCS REL ORG | Legal; Direct payment from the plan Service code 29 | — | $71K |
| AMY SLYVCHAK EIN 11-1782177 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $66K |
| ILIANA OROZCO EIN 11-1782177 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $54K |
| GLADYS RODRIGUEZ EIN 11-1782177 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $39K |
| DECUSOFT, INC. EIN 84-5099151 NONE | Direct payment from the plan; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $39K |
| DICKINSON GROUP, LLC EIN 20-1241472 NONE | Consulting (general); Direct payment from the plan; Actuarial Service code 11 | — | $33K |
| SLEVIN & HART, P.C. EIN 52-1708613 PROV SVCS REL ORG | Legal; Direct payment from the plan Service code 29 | — | $26K |
| SUN LIFE CAPITAL MANAGEMENT(US) LLC EIN 68-0635051 NONE | Investment management Service code 28 | — | $25K |
| AMERICAN ARBITRATION ASSOCIATION IN EIN 13-0429745 NONE | Legal; Direct payment from the plan Service code 29 | — | $20K |
| LOOMIS SAYLES & COMPANY, L.P. EIN 04-3200030 NONE | Soft dollars commissions; Investment management; Investment management fees paid directly by plan Service code 28 | — | $9K |
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 | 1,636 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,636 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | USABLE LIFE | 961 | $156K |
| Short-term disability(2 contracts) | SHELTERPOINT LIFE INSURANCE COMPANY | 502 | $216K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 1,171 | $579K |
| Other | USABLE LIFE | 961 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,171 | — |
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."
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.