| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GINO DEVIVO3 | 11 ORIOLE LANE CROTON ON HUDSON, NY 10520 | DENTCARE | $79K | — | $79K | 13.93% |
| GINO DEVIVO3 | CROTON ON HUDSON CROTON ON HUDSON, NY 10520 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.08% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES | 1000 WOODBURY RD, STE 403 WOODBURY, NY 11797 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 4.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GEO-PROPERTIES LLC EIN 27-0119363 LANDLORD | Real estate brokerage; Direct payment from the plan Service code 32 | — | $99K |
| LAW OFFICES OF RICHARD A DECONCA NONE | Legal; Direct payment from the plan Service code 29 | PO BOX 482 LAKEHURST, NJ 08733 | $48K |
| SAVERIO LASORSA EIN 11-2643123 NONE | Direct payment from the plan; Consulting (general) Service code 16 | 487 LANDING AVE SMITHTOWN, NY 11787 | $39K |
| 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 | $36K |
| 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 | Direct payment from the plan Service code 50 | 340 NORTH AVENUE CRANFORD, NJ 07016 | $26K |
| FNA INSURANCE SERVICES NONE | Direct payment from the plan; Consulting fees Service code 50 | 1000 WOODBURY RD, STE 403 WOODBURY, NY 11797 | $24K |
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 | 4,738 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,738 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTCARE | 2,753 | $569K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 3,365 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,365 | — |
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.