| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAY A KANTROWITZ3 | 113 VILLAGE HILL DRIVE DIX HILLS, NY 11746 | GUARDIAN | $232 | — | $232 | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TARLOW & CO CPAS EIN 13-3587163 AUDITORS | Accounting (including auditing) Service code 10 | 7 PENN PLAZA SUITE 210 NEW YORK, NY 10001 | $29K |
| ARCHER, BYINGTON, GLENNON & LEVINE LEGAL COUNSEL | Legal Service code 29 | ONE HUNTINGTON QUADRANGLE STE 4C10 MELVILLE, NY 11747 | $12K |
| ADMINISTRATIVE SERVICES ONLY EIN 11-2995970 CLAIMS PROCESSOR | Claims processing Service code 12 | PO BOX 9005 LYNBROOK, NY 11563 | $8K |
| CSA WELFARE FUND EIN 13-6203811 ADMINISTRATOR | Contract Administrator Service code 13 | 40 RECTOR STREET NEW YORK, NY 10006 | $7K |
| SEGAL CONSULTING ACTUARIES | Actuarial Service code 11 | 333 WEST 34TH STREET NEW YORK, NY 10001 | $5K |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 123 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTCARE DELIVERY SYSTEMS INC | 12 | $5K |
| Life insurance | GUARDIAN | 177 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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 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.