| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERC OF NY, INC.3 Filed as: ERC OF NY | 350 5TH AVENUE NEW YORK, NY 10118 | PAUL REVERE LIFE INSURANCE CO. | $686 | — | $686 | 7.40% |
| THE WORKSIGHT GROUP LLC3 | 6 ELM STREET, UNIT 5 MADISON, NJ 07940 | PAUL REVERE LIFE INSURANCE CO. | $357 | — | $357 | 3.85% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | PAUL REVERE LIFE INSURANCE CO. | $58 | — | $58 | 0.63% |
| C & L REED ASSOCIATES LLC3 Filed as: C&L REED ASSOCIATES LLC | 2911 GLENARDEN DRIVE CHARLESTON, SC 29414 | PAUL REVERE LIFE INSURANCE CO. | $25 | — | $25 | 0.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DANIEL H. COOK ASSOCIATES, INC. EIN 11-2424843 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $4.7M |
| IUOE LOCAL 713 UNION EIN 11-3286388 RELATED PARTY | Direct payment from the plan; Other services Service code 49 | — | $975K |
| MAGNACARE ADMINISTRAATIVE SERVICES EIN 11-3410766 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $469K |
| AMERICAN HEALTH CARE EIN 68-0146015 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $432K |
| ROBERT M VELLA EIN 11-6490308 PLAN ADMINISTRATOR | Plan Administrator; Direct payment from the plan Service code 14 | — | $280K |
| MERRILL LYNCH WEALTH MANAGEMENT EIN 13-5674085 NONE | Investment management fees paid directly by plan; Custodial (securities) Service code 19 | — | $213K |
| EMPIRE HEALTHCHOICE ASSURANCE, INC. EIN 23-7391136 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $130K |
| RICHARD DOMBROWSKI EIN 11-6490308 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $111K |
| ADELA LUTZ EIN 11-6490308 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $90K |
| EMERSON REID EIN 13-3938007 NONE | Legal; Direct payment from the plan Service code 29 | — | $86K |
| FABIAN & BYRN LLC EIN 25-1914887 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $74K |
| BARNES, IACCARINO & SHEPHERD LLP EIN 26-3858697 NONE | Legal; Direct payment from the plan Service code 29 | — | $44K |
| WAGNER & ZIMMERMAN LLP EIN 11-2836481 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 201 OLD COUNTRY RD., SUITE 202 MELVILLE, NY 11747 | $40K |
| ERIKA BURGOS EIN 11-6490308 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $34K |
| SOLSTICE HEALTH INSURANCE CO. EIN 14-1917982 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $34K |
| MIRA WILSON EIN 11-6490308 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $34K |
| ROBERT P. VELLA EIN 11-6490308 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $27K |
| JENNIFER JIRA EIN 11-6490308 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $27K |
| LUCILLE ROMAIN EIN 11-6490308 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $27K |
| SUMMIT ACTUARIAL SERVICES EIN 20-3838633 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $20K |
| USA RISK GROUP EIN 03-0288384 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $13K |
| D.D. SERVICESS, INC. EIN 11-2705347 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $8K |
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 | 13,218 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 13,218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PAUL REVERE LIFE INSURANCE CO. | 32 | $9K |
| Stop-loss / reinsurancereinsurance | AMALGAMATED LIFE INSURANCE CO. | 13,869 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,869 | — |
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.