| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KRITZER CONSULTING SERVICES3 | 180 EAST MAIN STREET - SUITE 204 SMITHTOWN, NY 11787 | HEALTHPLEX INSURANCE COMPANY | $322K | — | $322K | 10.22% |
| KRITZER CONSULTING SERVICES3 | 180 EAST MAIN STREET - SUITE 204 SMITHTOWN, NY 11787 | DENTCARE DELIVERY SYSTEMS | $19K | — | $19K | 7.03% |
| 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 | 1.12% |
| LIGHTHOUSE PLANNING GROUP3 | 2922 AVE L. BROOKLYN, NY 11210 | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | $878 | — | $878 | 0.67% |
| 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. | — | $1K | $1K | 0.97% |
| KRITZER CONSULTING SERVICES3 | 180 EAST MAIN STREET - SUITE 204 SMITHTOWN, NY 11787 | HEALTHPLEX INSURANCE COMPANY | $15K | — | $15K | 13.70% |
| 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 | 1.74% |
| LIGHTHOUSE PLANNING GROUP3 | 2922 AVE L. BROOKLYN, NY 11210 | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | $940 | — | $940 | 1.31% |
| KRITZER CONSULTING SERVICES3 | 180 EAST MAIN STREET - SUITE 204 SMITHTOWN, NY 11787 | HEALTHPLEX INSURANCE COMPANY | $8K | — | $8K | 11.94% |
| KRITZER CONSULTING SERVICES3 | 180 EAST MAIN STREET - SUITE 204 SMITHTOWN, NY 11787 | HEALTHPLEX INSURANCE COMPANY | $2K | — | $2K | 11.04% |
| 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. | — | $176 | $176 | 1.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED SERVICE WORKERS UNION, IUJAT EIN 11-3040611 AFFILIATED UNION | Direct payment from the plan; Other services Service code 49 | — | $4.7M |
| LEADING EDGE ADMINISTRATORS EIN 81-2707118 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $3.3M |
| SUPREME BENEFITS, LLC EIN 86-1295860 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $3.2M |
| EMPIRE HEALTH CHOICE ASSURANCE INC. EIN 23-7391136 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $2.1M |
| INT'L UNION OF JOURNEYMAN AND ALLIE EIN 71-0301129 AFFILIATED UNION | Direct payment from the plan; Other services Service code 49 | — | $1.1M |
| JOSEPH M. PECORA, JR. EIN 11-1823976 EMPLOYEE | Employee (plan) Service code 30 | — | $321K |
| STEVEN ELLIOTT JR. EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $304K |
| ROTHMAN, ROCCO, LARUFFA, LLP EIN 47-5401457 NONE | Legal; Direct payment from the plan Service code 29 | — | $264K |
| STEVEN ELLIOTT SR. EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $261K |
| THOMAS MACK EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $254K |
| MATTHEW POWER EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $236K |
| SERVICE PROFESSIONALS UNION LOC 726 EIN 13-4075932 AFFILIATED UNION | Direct payment from the plan; Other services Service code 49 | — | $228K |
| JAMES MACK EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $218K |
| SAM MATTHEWS EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $216K |
| CEDUAN LIU EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $178K |
| JUSOAH QUIACHON EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $176K |
| HORIZON KNOWLEDGE EIN 13-4143165 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $172K |
| GERALDINE DORSEY EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $147K |
| MORVILLO ABRAMOWITZ GRAND EIN 13-2996017 NONE | Legal; Direct payment from the plan Service code 29 | — | $140K |
| WINSTON PEREZ EIN 11-1823976 EMPLOYEE | Direct payment from the plan Service code 50 | — | $139K |
| JOSEPHINE FALCONE EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $136K |
| NOVAK FRANCELLA, LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $115K |
| MARLENE EAVES EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $86K |
| ROSEMARY SINGH EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $74K |
| MARIA JOHNSON EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $68K |
| MEDTIPSTER, LLC EIN 26-2894721 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $66K |
| MILLIMAN, INC. EIN 91-0675641 NONE | Direct payment from the plan Service code 50 | — | $64K |
| PROSKAUER ROSE, LLP EIN 13-1840454 NONE | Legal; Direct payment from the plan Service code 29 | — | $63K |
| MARIA RIVERA EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $63K |
| URMELLA SINGH EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $57K |
| LIZETTE J. PHILLIPS EIN 11-1823976 EMPLOYEE | Direct payment from the plan Service code 50 | — | $54K |
| DAHAB ASSOCIATES, INC. EIN 11-2783874 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $52K |
| MARIA RUIZ EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $43K |
| ADP EIN 13-3036745 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $8K |
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 | 67,160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 163 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 67,323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(7 contracts, 3 carriers) | HEALTHPLEX INSURANCE COMPANY | 5,046 | $4.1M |
| Vision | GENERAL VISION SERVICES | 8,622 | $560K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | 5,444 | $131K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | 2,385 | $72K |
| Prescription drug | SUPREME BENEFITS | 11,386 | $3.9M |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 8,438 | $546K |
| Other(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE CO. | 54,305 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 54,305 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.