| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN SCHMITT3 | 2 MAYFLOWER RD BROOKVILLE, NY 11545 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $13K | — | $13K | 3.00% |
| BNZ GROUP INC.3 | 188 SUMMERFIELD STREET, 2ND FLOOR SCARSDALE, NY 10583 | BENISTAR GROUP RETIREE HEALTH SOLUTIONS | $13K | — | $13K | 3.07% |
| FRANK ZINGARO3 | 4 HUBBARD CIRCLE BRONXVILLE, NY 10708 | SUN LIFE AND HEALTH INSURANCE COMPANY | $3K | — | $3K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KEITH GORDON EIN 11-3124836 EMPLOYEE | Employee (plan) Service code 30 | — | $134K |
| ARCHER, BYINGTON, GLENNON & LEVINE EIN 26-0873462 NONE | Legal Service code 29 | — | $96K |
| DOLORES BLAKE EIN 11-3124836 EMPLOYEE | Employee (plan) Service code 30 | — | $86K |
| VERONICA FALES EIN 11-3124836 EMPLOYEE | Employee (plan) Service code 30 | — | $52K |
| MICHELE BUSA EIN 11-3124836 EMPLOYEE | Employee (plan) Service code 30 | — | $44K |
| GUARDIAN LIFE EIN 13-5123390 NONE | Claims processing Service code 12 | — | $35K |
| EIFERT, FRENCH & CO, INC. EIN 13-0662070 NONE | Insurance services Service code 23 | — | $35K |
| SUMMIT ACTUARIAL SERVICES, LLC EIN 77-0645890 NONE | Actuarial Service code 11 | — | $33K |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Claims processing Service code 12 | — | $27K |
| KMR SYSTEMS CORP EIN 13-3192128 NONE | Consulting (general) Service code 16 | — | $15K |
| BERDON LLP EIN 13-0485070 NONE | Accounting (including auditing) Service code 10 | — | $15K |
| RICHARD SCHAFFER NONE | Legal Service code 29 | 816 DEER PARK AVENUE NORTH BABYLON, NY 11703 | $10K |
| ATALANTA SOSNOFF EIN 20-0461050 NONE | Investment management fees paid directly by plan; Investment management; Soft dollars commissions Service code 28 | — | $9K |
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 | 597 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 151 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 7 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 760 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF NEW YORK | 745 | $35K |
| Life insurance | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 919 | $187K |
| Prescription drug | BENISTAR GROUP RETIREE HEALTH SOLUTIONS | 209 | $408K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | 600 | $447K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 919 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.