| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDWARD CHICOSKI III3 Filed as: EDWARD JOSEPH CHICOSKI III | 301 ALBANY TURNPIKE CANTON, CT 06019 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | — | $27K | 3.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| 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 | $107K |
| 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 | $91K |
| LOCAL 485 IUE-CWA EIN 11-1800146 SPONSOR | Direct payment from the plan; Employee (plan sponsor) Service code 35 | 158-160 MONTAGUE ST BROOKLYN, NY 11201 | $64K |
| CYNTHIA VASQUEZ EIN 11-1800146 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | 158-160 MONTAGUE ST BROOKLYN, NY 11201 | $34K |
| GOULD KOBRICK & SCHLAPP PC EIN 13-3082707 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 192 LEXINGTON AVENUE 7TH FL NEW YORK, NY 10016 | $33K |
| BASIL CASTROVINCI, INC EIN 13-2831500 NONE | Direct payment from the plan; Consulting (general) Service code 16 | 36 HOPATCHUNG ROAD HOPATCONG, NJ 07843 | $31K |
| DANIEL H. COOK ASSOCIATES, INC. EIN 11-2424843 NONE | Contract Administrator Service code 13 | 1040 AVE OF THE AMERICAS 24TH FL NEW YORK, NY 10018 | $20K |
| 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 |
| BROOKLYN HEIGHTS REAL ESTATE INC. EIN 11-3293795 NONE | Other commissions Service code 55 | 158 MONTAGUE STREET BROOKLYN, NY 11201 | $11K |
| PAYCHEX EIN 16-1124166 | Other fees Service code 99 | 911 PANORAMA TRAIL S ROCHESTER, NY 14625 | $6K |
| AMALGAMATED BANK EIN 13-4920330 NONE | Investment management fees paid indirectly by plan Service code 52 | 275 7TH AVENUE NEW YORK, NY 10001 | $5K |
| BENESYS, INC 53-0257019 | Contract Administrator Service code 13 | — | $195 |
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 | 30 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 30 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 29 | $719K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 29 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.