| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WHITMORE GROUP LTD3 Filed as: THE WHITMORE GROUP LTD | 370 OLD COUNTRY ROAD STE 200 GARDEN CITY, NY 115301758 | EMBLEM HEALTH | $153K | — | $153K | 4.00% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 1065 AVENUE OF THE AMERICAS NEW YORK, NY 10018 | EMBLEM HEALTH | — | $77K | $77K | 2.00% |
| WHITMORE GROUP LTD3 Filed as: THE WHITMORE GROUP LTD | 370 OLD COUNTRY ROAD GARDEN CITY, NY 115301758 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| WHITMORE GROUP LTD3 Filed as: THE WHITMORE GROUP LTD | 370 OLD COUNTRY ROAD GARDEN CITY, NY 115301758 | MUTUAL OF OMAHA INSURANCE COMPANY | $397 | — | $397 | 15.00% |
| ACRISURE LLC3 | 370 OLD COUNTRY ROAD GARDEN CITY, NY 11530 | MUTUAL OF OMAHA INSURANCE COMPANY | $191 | — | $191 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DANIEL H. COOK ASSOCIATES, INC. EIN 11-2424843 NONE | Plan Administrator; Contract Administrator; Direct payment from the plan Service code 13 | 253 WEST 35TH STREET NEW YORK, NY 10001 | $126K |
| SELE-DENT INC. EIN 11-3310187 NONE | Claims processing; Direct payment from the plan Service code 12 | ONE HUNTINGTON QUADRANGLE SUITE 1S03 MELVILLE, NY 11747 | $88K |
| JAMES R GRISI PC EIN 83-2921602 ATTORNEY | Legal; Direct payment from the plan Service code 29 | 199 NO WELLWOOD AVE LINDENHURST, NY 11757 | $73K |
| RHINA MATA EIN 11-2548572 ADMINISTRATOR | Employee (plan); Direct payment from the plan Service code 30 | 199 N WELLWOOD AVENUE LINDENHURST, NY 11757 | $53K |
| SCHULTHEIS & PANATTIERI LLP EIN 13-1577780 ACCOUNTANT | Direct payment from the plan; Accounting (including auditing) Service code 10 | 450 WIRELESS BLVD HAUPPAUGE, NY 11788 | $35K |
| TIAA, FSB EIN 59-3531592 NONE | Investment management fees paid directly by plan; Claims processing Service code 12 | 211 NORTH BROADWAY SUITE 1000 ST LOUIS, MO 63102 | $35K |
| PROACT INC EIN 16-1571381 CLAIMS PROCESSOR | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | 6333 STATE RTE 298 EAST SYRACUSE, NY 13057 | $21K |
| FEDERATION PENSION BUREAU EIN 13-1787163 NONE | Consulting (general); Direct payment from the plan Service code 16 | 2870 HEMPSTEAD TURNPIKE SUITE 102 LEVITTOWN, NY 11762 | $14K |
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 | 1,074 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,074 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEM HEALTH | 625 | $3.8M |
| Life insurance(2 contracts) | MUTUAL OF OMAHA INSURANCE COMPANY | 382 | $30K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 10 | $3K |
| Prescription drug | EMBLEM HEALTH | 625 | $3.8M |
| Other(2 contracts) | MUTUAL OF OMAHA INSURANCE COMPANY | 382 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 625 | — |
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 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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.