| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GINO DEVIVO3 | 11 ORIOLE LANE CROTON ON HUDSON, NY 10520 | SOLSTICE HEALTH INSURANCE COMPANY | $105K | — | $105K | 14.00% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 1065 AVENUE OF AMERICAS NEW YORK, NY 10018 | SOLSTICE HEALTH INSURANCE COMPANY | $7K | — | $7K | 1.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| 400 ROUTE 34, LLC LANDLORD | Real estate brokerage; Direct payment from the plan Service code 32 | 1750 BRIELLE AVENUE, UNIT A4 OCEAN, NJ 07712 | $102K |
| SAVERIO LASORSA EIN 11-2643123 NONE | Direct payment from the plan; Consulting (general) Service code 16 | 487 LANDING AVE SMITHTOWN, NY 11787 | $46K |
| LAW OFFICES OF RICHARD A DECONCA NONE | Legal; Direct payment from the plan Service code 29 | PO BOX 482 LAKEHURST, NJ 08733 | $30K |
| O'BRIEN BELLAND & BUSHINSKY LLC EIN 37-1467056 NONE | Legal; Direct payment from the plan Service code 29 | 1526 BERLIN ROAD CHERRY HILL, NJ 08003 | $30K |
| MSPC EIN 22-2951202 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Accounting (including auditing) Service code 10 | 340 NORTH AVENUE CRANFORD, NJ 07016 | $25K |
| MML INVESTORS SERVICES, LLC NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | PO BOX 8099 SPRINGFIELD, MA 01102 | $10K |
| FNA INSURANCE SERVICES NONE | Direct payment from the plan; Consulting fees Service code 50 | 1000 WOODBURY RD, STE 403 WOODBURY, NY 11797 | $7K |
| DR. MICHAEL D. LASALLE, MD NONE | Consulting (general); Direct payment from the plan Service code 16 | 400 STATE ROUTE 34, SUITE D MATAWAN, NJ 07747 | $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 | 3,946 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,946 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SOLSTICE HEALTH INSURANCE COMPANY | 4,114 | $747K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,114 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.