| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 350 FIFTH AVENUE, SUITE 3700 NEW YORK, NY 10018 | HARTFORD LIFE AND ACCIDENT | $8K | $3K | $11K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE, INC. EIN 23-7391136 CLAIMS PROCESSOR | Claims processing; Contract Administrator Service code 12 | — | $170K |
| ANGELO CORDISCO EIN 11-1964991 PLAN ADMINISTRATOR | Employee (plan) Service code 30 | — | $139K |
| INSURANCE DESIGN ADMINISTRATORS EIN 13-3155962 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | — | $129K |
| DECUSOFT, LLC EIN 84-5099151 CONSULTANTS | Consulting (general) Service code 16 | — | $77K |
| SLEVIN & HART, P.C. EIN 52-1708613 ATTORNEYS | Legal Service code 29 | — | $58K |
| UBS FINANCIAL SERVICES EIN 13-2638166 INVESTMENT CUSTODIAN | Custodial (securities) Service code 19 | — | $36K |
| MARIANNE STAITI EIN 11-1964991 OFFICE MANAGER | Employee (plan) Service code 30 | — | $35K |
| WAGNER & ZWERMAN LLP EIN 11-2836481 ACCOUNTANTS | Accounting (including auditing) Service code 10 | — | $31K |
| BUCHBINDER TUNICK & COMPANY LLP EIN 13-1578842 AUDITORS | Accounting (including auditing) Service code 10 | — | $31K |
| NINA DICIOCCIO EIN 11-1964991 ADMIN ASSISTANT | Employee (plan) Service code 30 | — | $29K |
| FIRST ACTUARIAL CONSULTING EIN 26-3842522 ACTUARY | Actuarial Service code 11 | — | $21K |
| GLASSER TECH LLC EIN 26-1650921 CONSULTANTS | Consulting (general) Service code 16 | — | $17K |
| COMERFORD AND DOUGHERTY LLP EIN 20-4155471 ATTORNEYS | Legal Service code 29 | — | $16K |
| UNION BENEFIT PLANNERS, INC. EIN 26-3554645 INSURANCE BROKER | Insurance agents and brokers Service code 22 | — | $12K |
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 | 386 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 386 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 605 | $53K |
| Other | HARTFORD LIFE AND ACCIDENT | 605 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 605 | — |
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.