| 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 | $841K |
| JOSEPH GIOVINCO EIN 11-1967404 EMPLOYEE | Employee (plan) Service code 30 | 201 W. VALLEY STREAM BLVD VALLEY STREAM, NY 11580 | $121K |
| VICTOR LAGRECA EIN 11-1967404 EMPLOYEE/TRUSTEE | Employee (plan) Service code 30 | 420 W. MERRICK ROAD VALLEY STREAM, NY 11580 | $61K |
| BRYAN MCCARTHY ESQ EIN 84-3667887 LAWYER | Insurance agents and brokers Service code 22 | 118 N. BEDFORD ROAD MT KISCO, NY 10549 | $45K |
| WEAVER EIN 75-0786316 AUDITOR | Accounting (including auditing) Service code 10 | ONE PENN PLAZA NEW YORK, NY 10119 | $45K |
| A. DIGIOVANNI EIN 11-1967404 FUND EMPLOYEE | Employee (plan) Service code 30 | 420 W. MEERICK ROAD VALLEY STREAM, NY 11580 | $32K |
| CHARLES CLEMENZA EIN 11-1967404 NONE | Employee (plan) Service code 30 | 420 W. MEERICK ROAD VALLEY STREAM, NY 11580 | $29K |
| MATTHEW ALIMENA EIN 11-1967404 NONE | Employee (plan) Service code 30 | 420 W. MEERICK ROAD VALLEY STREAM, NY 10509 | $28K |
| N. JEAN-CHARLES EIN 11-1967404 FUND EMPLOYEE | Employee (plan) Service code 30 | 420 W. MERRICK ROAD VALLEY STREAM, NY 11580 | $26K |
| ANTHONY RAINONE EIN 11-1967404 NONE | Employee (plan) Service code 30 | 420 W. MEERICK ROAD VALLEY STREAM, NY 11580 | $21K |
| NORA ROA EIN 11-1967404 NONE | Employee (plan) Service code 30 | 420 W. MEERICK ROAD VALLEY STREAM, NY 11580 | $13K |
| DOREEN BORRUSO EIN 11-1967404 NONE | Employee (plan) Service code 30 | 420 W. MEERICK ROAD VALLEY STREAM, NY 11580 | $12K |
| GIANNA TORNETTA EIN 11-1967404 NONE | Employee (plan) Service code 30 | 420 W. MEERICK ROAD VALLEY STREAM, NY 11580 | $11K |
| SUMMIT ACTUARIAL SERVICES EIN 11-4385930 ACTUARY | Actuarial Service code 11 | 123 PREAKNESS DR MT LAUREL, NJ 08054 | $10K |
| LAWRENCE S. FISCHER, CPA EIN 52-2326815 ACCOUNTANT | Accounting (including auditing) Service code 10 | 92 DOSORIS LANE GLEN COVE, NY 11542 | $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 | 3,177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE INC (G1921) | 3,177 | $27.5M |
| Stop-loss / reinsurancereinsurance | UNION LABOR LIFE INSURANCE CO | 0 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,177 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
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.