| 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. | — | $148 | $148 | 6.18% |
| MCO PARTNERS LLC3 | 315 WEST 39TH STREET #303 NEW YORK, NY 10018 | PAUL REVERE LIFE INSURANCE CO. | — | $120 | $120 | 5.01% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | PAUL REVERE LIFE INSURANCE CO. | — | $8 | $8 | 0.33% |
| YOLANDA TRISTANCHO-HELWIG3 | 449 CENTRAL AVE. ST. PETERSBURG, FL 33701 | PAUL REVERE LIFE INSURANCE CO. | — | $7 | $7 | 0.29% |
| C & L REED ASSOCIATES LLC3 Filed as: C&L REED ASSOCIATES LLC | 2911 GLENARDEN DRIVE CHARLESTON, SC 29414 | PAUL REVERE LIFE INSURANCE CO. | — | $4 | $4 | 0.17% |
| SOTERIA PARTNERS LLC3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | PAUL REVERE LIFE INSURANCE CO. | — | $4 | $4 | 0.17% |
| THE WORKSIGHT GROUP LLC3 | 6 ELM STREET, UNIT 5 MADISON, NJ 07940 | PAUL REVERE LIFE INSURANCE CO. | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DANIEL H. COOK ASSOCIATES, INC. EIN 11-2424843 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $4.6M |
| EMPIRE HEALTHCHOICE ASSURANCE, INC. EIN 23-7391136 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $2.1M |
| IBOTU LOCAL 713 EIN 11-3286388 RELATED PARTY | Direct payment from the plan; Other services Service code 49 | — | $802K |
| MAGNACARE ADMINISTRATIVE SERVICES EIN 11-3410766 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $331K |
| JANNEY MONTGOMERY SCOTT EIN 23-0731260 NONE | Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | — | $272K |
| ADELA LUTZ EIN 11-6490308 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $116K |
| SAL IANNELLO EIN 11-6490308 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $102K |
| MIRA WILSON EIN 11-6490308 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $65K |
| ERIKA BURGOS EIN 11-6490308 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $63K |
| AKASH DIHR EIN 11-6490308 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $60K |
| LUCILLE ROMAIN EIN 11-6490308 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $50K |
| BARNES, IACCARINO & SHEPHERD LLP EIN 26-3858697 NONE | Legal; Direct payment from the plan Service code 29 | — | $48K |
| LISA ARAJO EIN 11-6490308 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $43K |
| MARTA HERNADEZ EIN 11-6490308 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $41K |
| ALEEN VELLA EIN 11-6490308 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $30K |
| NOVAK FRANCELLA LLC EIN 61-1456956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $26K |
| DDS SERVICESS, INC. EIN 11-2705347 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $7K |
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 | 16,051 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 16,051 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PAUL REVERE LIFE INSURANCE CO. | 4 | $2K |
| Stop-loss / reinsurancereinsurance | AMALGAMATED LIFE INSURANCE CO. | 15,693 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,693 | — |
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.