| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KRITZER CONSULTING SERVICES3 | 180 EAST MAIN STREET - SUITE 204 SMITHTOWN, NY 11787 | HEALTHPLEX INSURANCE COMPANY | $320K | — | $320K | 11.83% |
| KRITZER CONSULTING SERVICES3 | 180 EAST MAIN STREET - SUITE 204 SMITHTOWN, NY 11787 | HEALTHPLEX INSURANCE COMPANY | $29K | — | $29K | 11.00% |
| WINSTON FINANCIAL SERVICES3 | 1705 BAY AVE POINT PLEASANT BEACH, NJ 08742 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 4.56% |
| LIGHTHOUSE PLANNING GROUP3 | 2922 AVE L. BROOKLYN, NY 11210 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 0.89% |
| RUBENZAHL STANLEY3 Filed as: RUBENZAHL STANLEY - MAXON ADMINISTR | 76 NO BROADWAY IRVINGTON, NY 10533 | HARTFORD LIFE AND ACCIDENT | — | $7K | $7K | 4.85% |
| WINSTON FINANCIAL SERVICES3 | 2399 HWY 34 SOUTH UNIT C2 MANASQUAN, NJ 08736 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 3.51% |
| LIGHTHOUSE PLANNING GROUP3 | 2922 AVE L. BROOKLYN, NY 11210 | HARTFORD LIFE AND ACCIDENT | $122 | — | $122 | 0.09% |
| WINSTON FINANCIAL SERVICES3 | 2399 HWY 34 SOUTH UNIT C2 MANASQUAN, NJ 08736 | HARTFORD LIFE INSURANCE CO. | $13K | $389 | $13K | 20.60% |
| KRITZER CONSULTING SERVICES3 | 180 EAST MAIN STREET - SUITE 204 SMITHTOWN, NY 11787 | HEALTHPLEX INSURANCE COMPANY | $6K | — | $6K | 10.81% |
| LIGHTHOUSE PLANNING GROUP3 | 2922 AVE L. BROOKLYN, NY 11210 | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | $3K | — | $3K | 6.58% |
| LIGHTHOUSE PLANNING GROUP3 | 2922 AVE L. BROOKLYN, NY 11210 | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | $3K | — | $3K | 8.59% |
| LIGHTHOUSE PLANNING GROUP3 | 2922 AVE L. BROOKLYN, NY 11210 | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | $816 | — | $816 | 5.00% |
| OMNI MANAGED HEALTH, INC.3 Filed as: OMNI MANAGED HEALTH - B. WEISSMAN | 3021 AVENUE J BROOKLYN, NY 11210 | CARE CONNECT | $264 | — | $264 | 4.01% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FIN SVCS | 1133 WESTCHESTER AVE - SUITE 229 WHITE PLAINS, NY 10604 | AETNA HEALTH, INC | $314 | — | $314 | 6.32% |
| LIGHTHOUSE PLANNING GROUP3 | 2922 AVE L. BROOKLYN, NY 11210 | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | $485 | — | $485 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OXFORD HEALTH INSURANCE, INC. EIN 22-2797560 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $5.5M |
| UNITED SERVICE WORKERS UNION, IUJAT EIN 11-3040611 AFFILIATED UNION | Other services; Direct payment from the plan Service code 49 | — | $4.9M |
| 4D PHARMACY MANAGEMENT EIN 38-2829392 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $643K |
| LEADING EDGE ADMINISTRATORS EIN 27-2589905 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $330K |
| INT'L UNION OF JOURNEYMAN AND ALLIE EIN 71-0301129 AFFILIATED UNION | Direct payment from the plan; Other services Service code 49 | — | $279K |
| STEVEN ELLIOTT JR. EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $276K |
| JOSEPH M. PECORA, JR. EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $271K |
| SERVICE PROFESSIONALS UNION LOC 726 EIN 13-4075932 AFFILIATED UNION | Other services; Direct payment from the plan Service code 49 | — | $240K |
| STEVEN ELLIOTT SR. EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $236K |
| MATTHEW POWER EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $198K |
| SAM MATTHEWS EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $190K |
| RICHARD GREENSPAN, P.C. EIN 13-3341720 NONE | Legal; Direct payment from the plan Service code 29 | — | $176K |
| GERALDINE DORSEY EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $137K |
| JUSOAH QUIACHON EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $130K |
| JOSEPHINE FALCONE EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $124K |
| CEDUAN LIU EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $120K |
| WINSTON PEREZ EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $107K |
| MILLIMAN, INC. EIN 91-0675641 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $95K |
| ROTHMAN, ROCCO, LARUFFA, LLP EIN 47-5401457 NONE | Legal; Direct payment from the plan Service code 29 | — | $88K |
| MELVIN RODRIGUEZ EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $84K |
| MARLENE EAVES EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $81K |
| MEDTIPSTER, LLC EIN 26-2894721 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $76K |
| RENE CHOTO EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $74K |
| VINCENT P. DUNN EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $69K |
| BARBARA CHRISTMAN EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $58K |
| PROSKAUER ROSE, LLP EIN 13-1840454 NONE | Legal; Direct payment from the plan Service code 29 | — | $57K |
| NOVAK FRANCELLA, LLC EIN 61-1436956 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $54K |
| CARMEN FIGUEROA EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $52K |
| MARIA RIVERA EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $43K |
| LIZETTE J. PHILLIPS EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $41K |
| MARIA JOHNSON EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $37K |
| ROBERT J. ZEMAN, D.D.S. EIN 05-1342497 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $31K |
| BMI AUDIT SERVICES, LLC EIN 35-2051914 NONE | Direct payment from the plan; Other services Service code 49 | — | $30K |
| ALVIN D. LURIE, P.C. EIN 13-3290042 NONE | Legal; Direct payment from the plan Service code 29 | — | $14K |
| ADP EIN 13-3036745 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $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 | 47,210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 130 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 47,340 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE CO. | 29 | $52K |
| Dental(9 contracts, 7 carriers) | HEALTHPLEX INSURANCE COMPANY | 5,642 | $3.4M |
| Vision | GENERAL VISION SERVICES | 10,130 | $492K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 5,494 | $221K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,799 | $173K |
| Stop-loss / reinsurancereinsurance | PARTNERRE AMERICA INSURANCE COMPANY | 9,588 | $587K |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 32,638 | $266K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 32,638 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.