| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDWARD CHICOSKI III Filed as: EDWARD JOSEPH CHICOSKI III | 301 ALBANY TURNPIKE CANTON, CT 06019 | THE UNION LABOR LIFE INSURANCE COMPANY | $28K | — | $28K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS, INC EIN 53-0257019 NONE | Direct payment from the plan; Contract Administrator Service code 13 | 7130 COLUMBIA GATEWAY DRIVE STE A COLUMBIA, MD 21046 | $132K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Float revenue; Other services; Named fiduciary; Participant communication; Claims processing; Non-monetary compensation; Contract Administrator; Direct payment from the plan Service code 12 | 5089 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | $88K |
| LOCAL 485 IUE-CWA EIN 11-1800146 SPONSOR | Employee (plan sponsor); Direct payment from the plan Service code 35 | 158-160 MONTAGUE ST BROOKLYN, NY 11201 | $64K |
| COHEN, WEISS AND SIMON, LLP EIN 13-1592323 NONE | Legal; Direct payment from the plan Service code 29 | 900 THIRD AVENUE SUITE 2100 NEW YORK, NY 100224869 | $43K |
| CYNTHIA VASQUEZ EIN 11-1800146 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 158-160 MONTAGUE ST BROOKLYN, NY 11201 | $31K |
| BASIL CASTROVINCI, INC EIN 13-2831500 NONE | Direct payment from the plan; Consulting (general) Service code 16 | 36 HOPATCHUNG ROAD HOPATCONG, NJ 07843 | $31K |
| GITOMER & BERENHOLZ, PC EIN 23-2749598 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 445 SHADY LANE HUNTINGDON VALLEY, PA 19006 | $30K |
| GOULD KOBRICK & SCHLAPP PC EIN 13-3082707 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 192 LEXINGTON AVENUE 7TH FL NEW YORK, NY 10016 | $28K |
| INVESTMENT PERFORMANCE SERVICE EIN 58-2432390 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | 570 EAST YORK STREET SAVANNAH, GA 31401 | $15K |
| ROGOFF & COMPANY, PC EIN 13-2688836 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 355 LEXINGTON AVENUE 6TH FLOOR NEW YORK, NY 10017 | $8K |
| BROOKLYN HEIGHTS REAL ESTATE INC. EIN 11-3293795 NONE | Other commissions Service code 55 | 158 MONTAGUE STREET BROOKLYN, NY 11201 | $7K |
| BENESYS, INC 53-0257019 | Contract Administrator Service code 13 | — | $4K |
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 | 31 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 31 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 34 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 34 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.