| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA KRITZER CONSULTING | 180 EAST MAIN STREET, SUITE 204 SMITHTOWN, NY 11787 | HEALTHPLEX INSURANCE COMPANY | $278K | — | $278K | 11.07% |
| LIGHTHOUSE PLANNING GROUP3 Filed as: LIGHTHOUSE PLANNING GROUP, LLC | 1768 E 34TH STREET BROOKLYN, NY 11234 | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | $29K | — | $29K | 8.13% |
| LIGHTHOUSE PLANNING GROUP3 Filed as: LIGHTHOUSE PLANNING GROUP, LLC | 1768 E 34TH STREET BROOKLYN, NY 11234 | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | $15K | — | $15K | 9.49% |
| LIGHTHOUSE PLANNING GROUP3 Filed as: LIGHTHOUSE PLANNING GROUP, LLC | 1768 E 34TH STREET BROOKLYN, NY 11234 | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | $9K | — | $9K | 8.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 NONE | Other services; Direct payment from the plan; Claims processing Service code 12 | — | $6.4M |
| UNITED SERVICE WORKERS UNION, IUJAT EIN 11-3040611 AFFILIATED UNION | Other services; Direct payment from the plan Service code 49 | — | $4.8M |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $1.8M |
| SUPREME BENEFITS, LLC EIN 86-1295860 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $1.4M |
| INT'L UNION OF JOURNEYMAN AND ALLIE EIN 71-0301129 AFFILIATED UNION | Direct payment from the plan; Other services Service code 49 | — | $1.0M |
| NOVAK FRANCELLA, LLC EIN 61-1436956 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $469K |
| JOSEPH M. PECORA, JR. EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $327K |
| ROTHMAN, ROCCO, LARUFFA, LLP EIN 47-5401457 NONE | Legal; Direct payment from the plan Service code 29 | — | $312K |
| STEVEN ELLIOTT JR. EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $309K |
| THOMAS MACK EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $286K |
| PROSKAUER ROSE, LLP EIN 13-1840454 NONE | Legal; Direct payment from the plan Service code 29 | — | $285K |
| CEDUAN LIU EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $275K |
| MATTHEW POWER EIN 11-1823976 EMPLOYEE | Employee (plan) Service code 30 | — | $239K |
| JAMES MACK EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $239K |
| SAM MATTHEWS EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $224K |
| MORVILLO ABRAMOWITZ GRAND EIN 13-2996017 NONE | Legal; Direct payment from the plan Service code 29 | — | $205K |
| SERVICE PROFESSIONALS UNION LOC 726 EIN 13-4075932 AFFILIATED UNION | Other services; Direct payment from the plan Service code 49 | — | $179K |
| WINSTON PEREZ EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $169K |
| HORIZON KNOWLEDGE EIN 13-4143165 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $169K |
| ROSEMARY SINGH EIN 11-1823976 EMPLOYEE | Employee (plan) Service code 30 | — | $122K |
| ROBERT HALF INTERNATIONAL, INC. EIN 94-1648752 NONE | Direct payment from the plan; Other services Service code 49 | — | $119K |
| JOSEPHINE FALCONE NONE | Employee (plan); Direct payment from the plan Service code 30 | 234 N PINE ST MASSAPEQUA, NY 11758 | $99K |
| EDANA COLEGROVE EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $98K |
| MICHAEL BAIN EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $90K |
| JADE SAWANGSANG EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $90K |
| SRIKANTH GOLYALLA GOUD EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $87K |
| JANE FENG EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $83K |
| RICHARD KEARSE EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $79K |
| URMELLA SINGH EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $78K |
| VELOCITY SEARCH GROUP EIN 27-4539833 NONE | Direct payment from the plan; Other services Service code 49 | — | $72K |
| BLACKROCK INVESTMENT MANAGEMENT EIN 20-5319476 NONE | Investment management; Direct payment from the plan; Investment management fees paid directly by plan Service code 28 | — | $71K |
| STEVE SAVINO EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $68K |
| MILLIMAN, INC. EIN 91-0675641 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $67K |
| MARIA RUIZ EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $66K |
| LIZETTE J. PHILLIPS EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $55K |
| VANTA, INC. EIN 81-4133785 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $49K |
| GIBSON, DUNN & CRUTCHER, LLP EIN 95-1611234 NONE | Legal; Direct payment from the plan Service code 29 | — | $48K |
| DAHAB ASSOCIATES, INC. EIN 11-2783874 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $48K |
| LAURA GONZALEZ EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $47K |
| SHANE MALONE EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $41K |
| NICOLE CONTRERAS EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $39K |
| MARIA RIVERA EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $30K |
| LEASE & IABAU, INC. EIN 11-2980602 NONE | Other services; Direct payment from the plan Service code 49 | — | $30K |
| COMERICA BANK EIN 42-1741646 NONE | Float revenue; Participant loan processing; Recordkeeping fees; Other fees; Trustee (bank, trust company, or similar financial institution); Custodial (other than securities); Other investment fees and expenses; Participant communication; Shareholder servicing fees; Other services; Sub-transfer agency fees; Investment management; Custodial (securities) Service code 18 | — | $24K |
| THE WAGNER LAW GROUP EIN 04-3323315 NONE | Legal; Direct payment from the plan Service code 29 | — | $23K |
| COUNSEL ADVISORS INC. EIN 93-2423182 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $15K |
| A&A MAINTENANCE ENTERPRISE INC EIN 13-3149505 NONE | Direct payment from the plan; Other services Service code 49 | — | $14K |
| LEADING EDGE ADMINISTRATORS EIN 81-2707118 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $12K |
| ARGENT WRITING & DESIGN NONE | Other services; Direct payment from the plan Service code 49 | 1211 MACTAVISH AVE., APT 1002T RICHMOND, VA 232304770 | $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 | 88,543 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 81 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 88,624 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | HEALTHPLEX INSURANCE COMPANY | 12,196 | $3.4M |
| Vision | GENERAL VISION SERVICES | 8,981 | $582K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | 14,092 | $359K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | 2,376 | $115K |
| Prescription drug | SUPREME BENEFITS | 0 | $1.6M |
| Other | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | 70,776 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 70,776 | — |
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.
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.