No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LYDIA STUART EIN 11-1831226 N/A | Employee (plan) Service code 30 | 328 FLATBUSH AVE 161 BROOKLYN, NY 11238 | $62K |
| MARY CLANTON EIN 06-4486790 N/A | Employee (plan) Service code 30 | 755 NARROWS ROAD NORTH STATEN ISLAND, NY 10304 | $61K |
| BARNES, IACCARINO & SHEPHERD LLP EIN 26-3858697 N/A | Legal Service code 29 | 3 SURREY LANE HEMPSTEAD, NY 11550 | $28K |
| MINSKY & COTTONE CPA'S PC EIN 11-3223712 N/A | Accounting (including auditing) Service code 10 | 585 STEWART AVE. STE LL-30 GARDEN CITY, NY 11530 | $23K |
| MALONEY & ASSOCIATES, INC. EIN 11-2219769 N/A | Contract Administrator Service code 13 | 371 MERRICK ROAD, STE 403 ROCKVILLE CENTRE, NY 11570 | $20K |
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 | 353 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTH CHOICE ASSURANCE INC. | 353 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.