| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| QUANTUM FINANCIAL STRATEGIES3 Filed as: QUANTUM FINANCIAL STRATEGIES INC | 100 SOUTH BEDFORD RD SUITE 340 MOUNT KISCO, NY 10549 | AETNA INC. | $68K | — | $68K | 2.77% |
| QUANTUM FINANCIAL STRATEGIES3 | 100 SOUTH BEDFORD RD SUITE 340 MOUNT KISCO, NY 10549 | DENTCARE DELIVERY SYSTEMS | $2K | — | $2K | 3.47% |
| QUANTUM FINANCIAL STRATEGIES3 Filed as: QUANTUM FINANCIAL STRATEGIES INC | 100 SOUTH BEDFORD RD SUITE 340 MOUNT KISCO, NY 10549 | AETNA INC. | $2K | — | $2K | 8.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AHALYA PERSAUD EIN 11-3480435 NONE | Employee (plan) Service code 30 | 629 FIFTH AVENUE SUITE 228 PELHAM, NY 10803 | $61K |
| ARNAUD DUPLESSY EIN 11-3480435 NONE | Employee (plan) Service code 30 | 629 FIFTH AVENUE SUITE 228 PELHAM, NY 10803 | $58K |
| CLEARY, JOSEM & TRIGIANI EIN 23-2657967 NONE | Legal Service code 29 | 325 CHESTNUT STREET SUITE 200 PHILADELPHIA, PA 19106 | $18K |
| GOULD, KOBRICK, & SCHLAPP P.C. EIN 13-3082707 NONE | Accounting (including auditing) Service code 10 | 3 PARK AVENUE NEW YORK, NY 10016 | $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 | 311 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA INC. | 365 | $2.4M |
| Dental | DENTCARE DELIVERY SYSTEMS | 224 | $64K |
| Life insurance | AETNA INC. | 288 | $24K |
| Short-term disability | STANDARD SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 229 | $12K |
| Other | AETNA INC. | 288 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.