| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| QUANTUM FINANCIAL STRATEGIES3 | 118 NORTH BEDFORD RD SUITE 100 MOUNT KISCO, NY 10549 | DENTCARE DELIVERY SYSTEMS | $1K | — | $1K | 3.51% |
| QUANTUM FINANCIAL STRATEGIES3 | 118 NORTH BEDFORD ROAD SUITE 100 MT KISCO, NY 10549 | AMALGAMATED LIFE INSURANCE CO | $2K | — | $2K | 9.79% |
| QUANTUM FINANCIAL STRATEGIES3 | 488 MADISON AVE SUITE 803 NEW YORK, NY 10022 | STANDARD SECURITY LIFE INSURANCE COMPANY OF NEW YORK | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AHALYA PERSAUD EIN 11-3480435 NONE | Employee (plan) Service code 30 | 629 FIFTH AVENUE SUITE 228 PELHAM, NY 10803 | $105K |
| UAW LOCAL 2179 EIN 13-3693452 RELATED UNION | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 629 FIFTH AVENUE SUITE 228 PELHAM, NY 10803 | $40K |
| GOULD, KOBRICK, & SCHLAPP P.C. EIN 13-3082707 NONE | Accounting (including auditing) Service code 10 | 192 LEXINGTON AVE NEW YORK, NY 10016 | $14K |
| EISNER & DICTOR, P.C. EIN 13-3726300 NONE | Legal Service code 29 | 39 BROADWAY SUITE 1540 NEW YORK, NY 10006 | $10K |
| MORGAN STANLEY NONE | Investment management; Custodial (securities) Service code 19 | — | $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 | 233 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTCARE DELIVERY SYSTEMS | 149 | $39K |
| Life insurance | AMALGAMATED LIFE INSURANCE CO | 184 | $19K |
| Short-term disability | STANDARD SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 120 | $7K |
| Other | AMALGAMATED LIFE INSURANCE CO | 184 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.