| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KRITZER CONSULTING SERVICES3 | 180 EAST MAIN STREET - SUITE 204 SMITHTOWN, NY 11787 | HEALTHPLEX INSURANCE COMPANY | $313K | — | $313K | 11.02% |
| LIGHTHOUSE PLANNING GROUP3 | 2922 AVE L. BROOKLYN, NY 11210 | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | $4K | — | $4K | 2.44% |
| 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. | — | $2K | $2K | 0.94% |
| KRITZER CONSULTING SERVICES3 | 180 EAST MAIN STREET - SUITE 204 SMITHTOWN, NY 11787 | HEALTHPLEX INSURANCE COMPANY | $19K | — | $19K | 11.16% |
| LIGHTHOUSE PLANNING GROUP3 | 2922 AVE L. BROOKLYN, NY 11210 | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | $5K | — | $5K | 3.45% |
| 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. | — | $1K | $1K | 0.94% |
| HJ KNIGHT INTERNATIONAL3 Filed as: KNIGHT INTERNATIONAL INSURANCE | 30 BRAINTREE HILL OFFICE PARK S-203 BRAINTREE, MA 02184 | PARTNERRE AMERICA INSURANCE COMPANY | $4K | — | $4K | 4.00% |
| LIGHTHOUSE PLANNING GROUP3 | 2922 AVE L. BROOKLYN, NY 11210 | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | $5K | — | $5K | 5.00% |
| 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. | — | $951 | $951 | 1.04% |
| KRITZER CONSULTING SERVICES3 | 180 EAST MAIN STREET - SUITE 204 SMITHTOWN, NY 11787 | HEALTHPLEX INSURANCE COMPANY | $7K | — | $7K | 11.00% |
| LIGHTHOUSE PLANNING GROUP3 | 2922 AVE L. BROOKLYN, NY 11210 | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | $2K | — | $2K | 10.00% |
| 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. | — | $196 | $196 | 0.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED SERVICE WORKERS UNION, IUJAT EIN 11-3040611 AFFILIATED UNION | Other services; Direct payment from the plan Service code 49 | — | $4.6M |
| LEADING EDGE ADMINISTRATORS EIN 27-2589905 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $3.9M |
| EMPIRE HEALTH CHOICE ASSURANCE INC. EIN 23-7391136 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $2.6M |
| INT'L UNION OF JOURNEYMAN AND ALLIE EIN 71-0301129 AFFILIATED UNION | Other services; Direct payment from the plan Service code 49 | — | $630K |
| 4D PHARMACY MANAGEMENT EIN 38-2829392 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $594K |
| JOSEPH M. PECORA, JR. EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $301K |
| STEVEN ELLIOTT JR. EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $284K |
| MORVILLO ABRAMOWITZ GRAND EIN 13-2996017 NONE | Legal; Direct payment from the plan Service code 29 | — | $268K |
| 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 | Other services; Direct payment from the plan Service code 49 | — | $246K |
| STEVEN ELLIOTT SR. EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $243K |
| MATTHEW POWER EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $209K |
| SAM MATTHEWS EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $201K |
| JUSOAH QUIACHON EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $154K |
| CEDUAN LIU EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $153K |
| GERALDINE DORSEY EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $142K |
| JOSEPHINE FALCONE EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $130K |
| WINSTON PEREZ EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $121K |
| BMI AUDIT SERVICES, LLC EIN 38-4091484 NONE | Direct payment from the plan; Other services Service code 49 | — | $90K |
| MILLIMAN, INC. EIN 91-0675641 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $88K |
| MARLENE EAVES EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $85K |
| HORIZON KNOWLEDGE NONE | Consulting (general); Direct payment from the plan Service code 16 | 132 W. 36TH STREET 1000 NEW YORK, NY 10018 | $83K |
| VINCENT P. DUNN EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $74K |
| MEDTIPSTER, LLC EIN 26-2894721 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $73K |
| ROSEMARY SINGH EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $64K |
| NOVAK FRANCELLA, LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $62K |
| MARIA RIVERA EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $58K |
| MARIA JOHNSON EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $56K |
| PROSKAUER ROSE, LLP EIN 13-1840454 NONE | Legal; Direct payment from the plan Service code 29 | — | $50K |
| LIZETTE J. PHILLIPS EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $48K |
| MELVIN RODRIGUEZ 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 | — | $26K |
| A-LIGN EIN 83-0781692 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $12K |
| JAMF SOFTWARE, LLC EIN 56-2286814 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $8K |
| ADP EIN 13-3036745 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $7K |
| STACK EXCHANGE, INC. EIN 27-2445468 NONE | Direct payment from the plan; Other fees Service code 50 | — | $5K |
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 | 67,079 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 92 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 67,171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(7 contracts, 5 carriers) | HEALTHPLEX INSURANCE COMPANY | 5,475 | $3.5M |
| Vision | GENERAL VISION SERVICES | 10,035 | $681K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | 5,504 | $175K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | 2,774 | $148K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | NATIONWIDE LIFE INSURANCE COMPANY | 9,557 | $610K |
| Other(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | 45,513 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 45,513 | — |
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.