| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KRITZER CONSULTING SERVICES3 | 180 EAST MAIN STREET - SUITE 204 SMITHTOWN, NY 11787 | HEALTHPLEX INSURANCE COMPANY | $296K | — | $296K | 10.29% |
| HJ KNIGHT INTERNATIONAL3 Filed as: KNIGHT INTERNATIONAL INSURANCE | 30 BRAINTREE HILL OFFICE PARK -203 BRAINTREE, MA 02184 | PARTNERRE AMERICA INSURANCE COMPANY | $26K | — | $26K | 4.08% |
| KRITZER CONSULTING SERVICES3 | 180 EAST MAIN STREET - SUITE 204 SMITHTOWN, NY 11787 | HEALTHPLEX INSURANCE COMPANY | $22K | — | $22K | 10.17% |
| LIGHTHOUSE PLANNING GROUP3 | 2922 AVE L. BROOKLYN, NY 11210 | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | $3K | $6K | $9K | 6.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX HWY S, BLDG II AUSTIN, TX 78746 | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | $0 | $2K | $2K | 1.10% |
| LIGHTHOUSE PLANNING GROUP3 | 2922 AVE L. BROOKLYN, NY 11210 | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | $4K | $5K | $9K | 6.71% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX HWY S, BLDG II AUSTIN, TX 78746 | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | $0 | $1K | $1K | 1.01% |
| LIGHTHOUSE PLANNING GROUP3 | 2922 AVE L. BROOKLYN, NY 11210 | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | $4K | $2K | $6K | 8.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX HWY S, BLDG II AUSTIN, TX 78746 | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | $0 | $687 | $687 | 0.89% |
| LIGHTHOUSE PLANNING GROUP3 | 2922 AVE L. BROOKLYN, NY 11210 | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | $2K | $685 | $2K | 13.86% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX HWY S, BLDG II AUSTIN, TX 78746 | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | $0 | $196 | $196 | 1.10% |
| KRITZER CONSULTING SERVICES3 | 180 EAST MAIN STREET - SUITE 204 SMITHTOWN, NY 11787 | HEALTHPLEX INSURANCE COMPANY | $1K | — | $1K | 9.14% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 1133 WESTCHESTER AVE. WHITE PLAINS, NY 10604 | AETNA HEALTH, INC | $183 | — | $183 | 8.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED SERVICE WORKERS UNION, IUJAT EIN 11-3040611 AFFILIATED UNION | Direct payment from the plan; Other services Service code 49 | — | $4.5M |
| LEADING EDGE ADMINISTRATORS EIN 27-2589905 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $3.7M |
| EMPIRE HEALTH CHOICE ASSURANCE INC. EIN 23-7391136 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $2.5M |
| 4D PHARMACY MANAGEMENT EIN 38-2829392 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $688K |
| INT'L UNION OF JOURNEYMAN AND ALLIE EIN 71-0301129 AFFILIATED UNION | Direct payment from the plan; Other services Service code 49 | — | $527K |
| JOSEPH M. PECORA, JR. EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $292K |
| STEVEN ELLIOTT JR. EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the 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 | — | $252K |
| STEVEN ELLIOTT SR. EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $236K |
| MATTHEW POWER EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $204K |
| SAM MATTHEWS EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $194K |
| JUSOAH QUIACHON EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $145K |
| CEDUAN LIU EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $143K |
| GERALDINE DORSEY EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $141K |
| JOSEPHINE FALCONE EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $129K |
| WINSTON PEREZ EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $113K |
| UNITED WELFARE FUND - SECURITY PLAN EIN 11-1823976 AFFILIATED BENEFIT FUND | Other services; Direct payment from the plan Service code 49 | — | $94K |
| MELVIN RODRIGUEZ EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $86K |
| MARLENE EAVES EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $84K |
| MEDTIPSTER, LLC EIN 26-2894721 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $80K |
| VINCENT P. DUNN EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $73K |
| NOVAK FRANCELLA, LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $58K |
| MARIA RIVERA EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $58K |
| MARIA JOHNSON EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $55K |
| ROSEMARY SINGH EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $54K |
| LIZETTE J. PHILLIPS EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $45K |
| MILLIMAN, INC. EIN 91-0675641 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $42K |
| DANTE CAMPBELL EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $34K |
| ROBERT J. ZEMAN, D.D.S. EIN 05-1342497 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $31K |
| PROSKAUER ROSE, LLP EIN 13-1840454 NONE | Legal; Direct payment from the plan Service code 29 | — | $28K |
| 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 | 56,459 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 115 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 56,574 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 10 | $30K |
| Dental(8 contracts, 6 carriers) | HEALTHPLEX INSURANCE COMPANY | 5,472 | $3.6M |
| Vision | GENERAL VISION SERVICES | 10,794 | $689K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | 5,606 | $149K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | 2,735 | $128K |
| Stop-loss / reinsurancereinsurance | PARTNERRE AMERICA INSURANCE COMPANY | 10,289 | $646K |
| Other(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | 38,048 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 38,048 | — |
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.