| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIGHTHOUSE PLANNING GROUP3 Filed as: LIGHTHOUSE PLANNING GROUP LLC | 1768 E 34TH STREET BROOKLYN, NY 112344428 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | — | $24K | 8.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED SERVICE WORKERS UNION, IUJAT EIN 11-3040611 AFFILIATED UNION | Other services; Direct payment from the plan Service code 49 | — | $4.7M |
| SUPREME BENEFITS, LLC EIN 86-1295860 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $3.3M |
| LEADING EDGE ADMINISTRATORS EIN 81-2707118 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $2.7M |
| UNITED HEALTHCARE SERVICES INC. EIN 30-0993007 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $2.3M |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $1.7M |
| INT'L UNION OF JOURNEYMAN AND ALLIE EIN 71-0301129 AFFILIATED UNION | Other services; Direct payment from the plan Service code 49 | — | $1.1M |
| JOSEPH M. PECORA, JR. EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $321K |
| ROTHMAN, ROCCO, LARUFFA, LLP EIN 47-5401457 NONE | Legal; Direct payment from the plan Service code 29 | — | $312K |
| STEVEN ELLIOTT JR. EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $304K |
| NOVAK FRANCELLA, LLC EIN 61-1436956 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $281K |
| THOMAS MACK EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $260K |
| MATTHEW POWER EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $235K |
| JAMES MACK EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $225K |
| CEDUAN LIU EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $214K |
| SAM MATTHEWS EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $213K |
| SERVICE PROFESSIONALS UNION LOC 726 EIN 13-4075932 AFFILIATED UNION | Other services; Direct payment from the plan Service code 49 | — | $188K |
| GERALDINE DORSEY EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $164K |
| WINSTON PEREZ EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $156K |
| HORIZON KNOWLEDGE EIN 13-4143165 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $153K |
| STEVEN ELLIOTT SR. EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $111K |
| JUSOAH QUIACHON EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $103K |
| MILLIMAN, INC. EIN 91-0675641 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $98K |
| ROSEMARY SINGH EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $98K |
| PROSKAUER ROSE, LLP EIN 13-1840454 NONE | Legal; Direct payment from the plan Service code 29 | — | $94K |
| MANDY VUKADINOVIC EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $88K |
| JOSEPHINE FALCONE NONE | Employee (plan); Direct payment from the plan Service code 30 | 234 N PINE ST MASSAPEQUA, NY 11758 | $86K |
| JADE SAWANGSANG EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $78K |
| JANE FENG EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $73K |
| TEK SYSTEMS EIN 52-2010575 NONE | Direct payment from the plan; Other services Service code 49 | — | $72K |
| MARIA RIVERA EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $70K |
| RICHARD KEARSE EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $70K |
| URMELLA SINGH EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $68K |
| LIZETTE J. PHILLIPS EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $64K |
| ROBERT HALF INTERNATIONAL, INC. EIN 94-1648752 NONE | Other services; Direct payment from the plan Service code 49 | — | $63K |
| MARIA RUIZ EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $59K |
| BLACKROCK INVESTMENT MANAGEMENT EIN 20-5319476 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $56K |
| EDANA COLEGROVE EIN 11-1823976 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $55K |
| DAHAB ASSOCIATES, INC. EIN 11-2783874 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $48K |
| VANTA, INC. EIN 81-4133785 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $42K |
| MARIA JOHNSON EIN 11-1823976 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $40K |
| A-LIGN EIN 83-0781692 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $37K |
| COMERICA BANK EIN 42-1741646 NONE | Participant communication; Participant loan processing; Recordkeeping fees; Other fees; Other investment fees and expenses; Investment management; Shareholder servicing fees; Trustee (bank, trust company, or similar financial institution); Float revenue; Custodial (securities); Custodial (other than securities); Sub-transfer agency fees; Other services Service code 18 | — | $21K |
| A&A MAINTENANCE ENTERPRISE INC EIN 13-3149505 NONE | Other services; Direct payment from the plan Service code 49 | — | $14K |
| SNYK, INC. EIN 81-3733443 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $12K |
| ADP EIN 13-3036745 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $11K |
| COUNSEL ADVISORS INC. EIN 93-2423182 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $8K |
| NEW YORK BEST CARE INC. EIN 11-3084241 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $6K |
| THE SHORE PRESS EIN 11-2839530 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $6K |
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 | 82,582 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 80 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 82,662 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(7 contracts, 3 carriers) | HEALTHPLEX INSURANCE COMPANY | 5,407 | $2.9M |
| Vision | GENERAL VISION SERVICES | 9,394 | $590K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 64,385 | $289K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 64,385 | $289K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 64,385 | $289K |
| Prescription drug | SUPREME BENEFITS | 0 | $4.3M |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE CO. | 9,091 | $113K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 64,385 | $289K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 64,385 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.