| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRITY UNDERWRITERS & BROKERS3 | 4914 W. GENESSE ST. CAMILLUS, NY 13031 | UNION LABOR LIFE INSURANCE CO | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DICKINSON GROUP EIN 20-1241472 ADMINISTRATOR | Claims processing Service code 12 | 825 EAST GATE BLVD GARDEN CITY, NY 11530 | $413K |
| JOSEPH GIOVINCO EIN 11-1967404 EMPLOYEE | Employee (plan) Service code 30 | 201 W. VALLEY STREAM BLVD VALLEY STREAM, NY 11580 | $117K |
| BRYAN MCCARTHY ESQ EIN 01-0727299 LAWYER | Insurance agents and brokers Service code 22 | 1454 ROUTE22 SUITE B101 BREWSTER, NY 10509 | $45K |
| N. JEAN-CHARLES EIN 11-1967404 FUND EMPLOYEE | Employee (plan) Service code 30 | 420 W. MERRICK ROAD VALLEY STREAM, NY 11580 | $42K |
| A. DIGIOVANNI EIN 11-1967404 FUND EMPLOYEE | Employee (plan) Service code 30 | 420 W. MEERICK ROAD VALLEY STREAM, NY 11580 | $30K |
| GIANNA TORNETTA EIN 11-1967404 NONE | Employee (plan) Service code 30 | 420 W. MEERICK ROAD VALLEY STREAM, NY 11580 | $26K |
| CHARLES CLEMENZA EIN 11-1967404 NONE | Employee (plan) Service code 30 | 420 W. MEERICK ROAD VALLEY STREAM, NY 11580 | $25K |
| LAWRENCE S. FISCHER, CPA EIN 52-2326815 ACCOUNTANT | Accounting (including auditing) Service code 10 | 92 DOSORIS LANE GLEN COVE, NY 11542 | $24K |
| VICTOR LAGRECA EIN 11-1967404 EMPLOYEE | Employee (plan) Service code 30 | 420 W. MERRICK ROAD VALLEY STREAM, NY 11580 | $24K |
| MATTHEW ALIMENA EIN 11-1967404 NONE | Employee (plan) Service code 30 | 420 W. MEERICK ROAD VALLEY STREAM, NY 10509 | $22K |
| ANTHONY RAINONE EIN 11-1967404 NONE | Employee (plan) Service code 30 | 420 W. MEERICK ROAD VALLEY STREAM, NY 11580 | $16K |
| NORA ROA EIN 11-1967404 NONE | Employee (plan) Service code 30 | 420 W. MEERICK ROAD VALLEY STREAM, NY 11580 | $14K |
| DOREEN BORRUSO EIN 11-1967404 NONE | Employee (plan) Service code 30 | 420 W. MEERICK ROAD VALLEY STREAM, NY 11580 | $12K |
| SUMMIT ACTUARIAL SERVICES EIN 11-4385930 ACTUARY | Actuarial Service code 11 | 123 PREAKNESS DR MT LAUREL, NJ 08054 | $10K |
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 | 2,400 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE INC (G1921) | 0 | $18.0M |
| Stop-loss / reinsurancereinsurance | UNION LABOR LIFE INSURANCE CO | 0 | $671K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.