| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KRITZER CONSULTING SERVICES3 | 180 EAST MAIN STREET - SUITE 204 SMITHTOWN, NY 11787 | HEALTHPLEX INSURANCE COMPANY | $295K | — | $295K | 9.21% |
| HJ KNIGHT INTERNATIONAL3 Filed as: KNIGHT INTERNATIONAL INSURANCE | 30 BRAINTREE HILL OFFICE PARK, STE BRAINTREE, MA 02184 | PARTNERRE AMERICA INSURANCE COMPANY | $26K | — | $26K | 4.11% |
| KRITZER CONSULTING SERVICES3 | 180 EAST MAIN STREET - SUITE 204 SMITHTOWN, NY 11787 | HEALTHPLEX INSURANCE COMPANY | $40K | — | $40K | 14.74% |
| LIGHTHOUSE PLANNING GROUP3 | 2922 AVE L. BROOKLYN, NY 11210 | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | $4K | — | $4K | 2.39% |
| LIGHTHOUSE PLANNING GROUP3 | 2922 AVE L. BROOKLYN, NY 11210 | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | $5K | — | $5K | 3.61% |
| KRITZER CONSULTING SERVICES3 | 180 EAST MAIN STREET - SUITE 204 SMITHTOWN, NY 11787 | HEALTHPLEX INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| LIGHTHOUSE PLANNING GROUP3 | 2922 AVE L. BROOKLYN, NY 11210 | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | $3K | — | $3K | 5.00% |
| LIGHTHOUSE PLANNING GROUP3 | 2922 AVE L. BROOKLYN, NY 11210 | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | $2K | — | $2K | 10.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FIN SVCS | 1133 WESTCHESTER AVE - SUITE 229 WHITE PLAINS, NY 10604 | AETNA HEALTH, INC | $298 | — | $298 | 5.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED SERVICE WORKERS UNION, IUJAT EIN 11-3040611 AFFILIATED UNION | Direct payment from the plan; Other services Service code 49 | — | $5.1M |
| LEADING EDGE ADMINISTRATORS EIN 27-2589905 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $2.9M |
| EMPIRE HEALTH CHOICE ASSURANCE INC. EIN 23-7391136 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $1.6M |
| OXFORD HEALTH INSURANCE, INC. EIN 22-2797560 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $880K |
| 4D PHARMACY MANAGEMENT EIN 38-2829392 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $656K |
| INT'L UNION OF JOURNEYMAN AND ALLIE EIN 71-0301129 AFFILIATED UNION | Direct payment from the plan; Other services Service code 49 | — | $454K |
| JOSEPH M. PECORA, JR. EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $286K |
| STEVEN ELLIOTT JR. EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $276K |
| ROTHMAN, ROCCO, LARUFFA, LLP EIN 47-5401457 NONE | Legal; Direct payment from the plan Service code 29 | — | $265K |
| SERVICE PROFESSIONALS UNION LOC 726 EIN 13-4075932 AFFILIATED UNION | Direct payment from the plan; Other services Service code 49 | — | $242K |
| 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 | — | $206K |
| SAM MATTHEWS EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $190K |
| JUSOAH QUIACHON EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $142K |
| CEDUAN LIU EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $134K |
| JOSEPHINE FALCONE EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $129K |
| GERALDINE DORSEY EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $121K |
| WINSTON PEREZ EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $112K |
| MELVIN RODRIGUEZ EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $84K |
| MARLENE EAVES EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $82K |
| UNITED WELFARE FUND - SECURITY PLAN EIN 11-1823976 AFFILIATED BENEFIT FUND | Direct payment from the plan; Other services Service code 49 | — | $78K |
| MEDTIPSTER, LLC EIN 26-2894721 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $77K |
| VINCENT P. DUNN EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $70K |
| NOVAK FRANCELLA, LLC EIN 61-1436956 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $54K |
| MARIA RIVERA EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $54K |
| MARIA JOHNSON EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $49K |
| LIZETTE J. PHILLIPS EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $42K |
| MILLIMAN, INC. EIN 91-0675641 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $41K |
| PROSKAUER ROSE, LLP EIN 13-1840454 NONE | Legal; Direct payment from the plan Service code 29 | — | $40K |
| ROBERT J. ZEMAN, D.D.S. EIN 05-1342497 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $31K |
| BARBARA CHRISTMAN EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $29K |
| RENE CHOTO EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $25K |
| BMI AUDIT SERVICES, LLC EIN 35-2051914 NONE | Direct payment from the plan; Other services Service code 49 | — | $23K |
| SAXBST, LLP NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 855 VALLEY ROAD - STE 3 CLIFTON, NJ 07013 | $8K |
| ADP EIN 13-3036745 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) 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 | 50,274 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 113 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 50,387 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CARE CONNECT | 33 | $79K |
| Dental(8 contracts, 6 carriers) | HEALTHPLEX INSURANCE COMPANY | 5,635 | $4.0M |
| Vision | GENERAL VISION SERVICES | 10,699 | $669K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | 5,617 | $181K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | 2,699 | $143K |
| Stop-loss / reinsurancereinsurance | PARTNERRE AMERICA INSURANCE COMPANY | 10,212 | $626K |
| Other(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | 5,617 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,699 | — |
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.