| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 2375 E CAMELBACK RD STE 250 PHOENIX, AZ 850163491 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $51 | $5K | 2.83% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.48% |
| RONALD P. COHEN3 | 486 WILLIS AVE WILLISTON PARK, NY 11596 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 11.71% |
| HIRAM COHEN AND SON, INC.3 Filed as: HIRAM COHEN & SON INC | 486 WILLIS AVENUE WILLISTON PARK, NY 11596 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $580 | $580 | 4.34% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $182 | — | $182 | 1.36% |
| NMP PLANNING CO. INC3 Filed as: NMP PLANNING CO. INC. | 95-25 QUEENS BLVD, 10TH FLOOR REGO PARK, NY 11374 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $31 | — | $31 | 0.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE, INC EIN 23-7391136 | Direct payment from the plan; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Float revenue Service code 12 | — | $1.9M |
| EXPRESS SCRIPTS EIN 22-3461740 | Direct payment from the plan; Other fees; Contract Administrator; Claims processing Service code 12 | — | $185K |
| INTECH INVESTMENT MANAGEMENT EIN 01-0614895 | Investment management fees paid directly by plan; Investment management Service code 28 | — | $167K |
| VITECH SYSTEMS GROUP EIN 13-3785492 | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $102K |
| PETER J. RUFFNER EIN 13-1545680 | Employee (plan) Service code 30 | — | $94K |
| ROGER ROSS EIN 13-1545680 | Employee (plan) Service code 30 | — | $84K |
| THE SEGAL COMPANY EIN 13-1835864 | Insurance agents and brokers; Direct payment from the plan; Actuarial Service code 11 | — | $81K |
| PRUDENTIAL RETIREMENT INS. ANNUITY EIN 06-1050034 | Investment management fees paid indirectly by plan; Custodial (other than securities); Custodial (securities) Service code 18 | — | $79K |
| LOUISE FURIO EIN 13-1545680 | Employee (plan) Service code 30 | — | $70K |
| KEVIN J. DRISCOLL EIN 13-1545680 | Employee (plan) Service code 30 | — | $42K |
| WILLIAM J. TURNBULL EIN 13-1545680 | Employee (plan) Service code 30 | — | $41K |
| SEAN DRISCOLL EIN 13-1545680 | Employee (plan) Service code 30 | — | $38K |
| SEGAL ADVISORS DBA SEGAL MARCO ADV EIN 13-2646110 | Consulting fees; Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | — | $35K |
| FRANCES MCCANN EIN 13-1545680 | Employee (plan) Service code 30 | — | $32K |
| LAPADULA, CARLSON & CO. CPA EIN 65-0292391 | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $30K |
| SEGAL SELECT INSURANCE EIN 46-0619194 | Insurance brokerage commissions and fees Service code 53 | — | $27K |
| INTEGRITY PHARMACEUTICAL ADVISORS EIN 45-3047652 | Actuarial; Direct payment from the plan Service code 11 | — | $27K |
| JAMES C. WHITE EIN 13-1545680 | Employee (plan) Service code 30 | — | $26K |
| ULLICO CASUALTY GROUP EIN 13-2988846 | Direct payment from the plan; Insurance services Service code 23 | — | $26K |
| RITA MESSINA EIN 13-1545680 | Employee (plan) Service code 30 | — | $25K |
| CHUBB & SON EIN 13-1963496 | Insurance brokerage commissions and fees; Insurance services; Direct payment from the plan Service code 23 | — | $21K |
| THE BANK OF NEW YORK MELLON EIN 13-5160382 | Custodial (other than securities); Direct payment from the plan Service code 18 | — | $21K |
| COLLERAN, O'HARA MILLS LLP EIN 13-2940050 | Legal; Direct payment from the plan Service code 29 | — | $16K |
| ATLANTIC NEUROSURGICAL SPECIALISTS EIN 22-2020733 | Direct payment from the plan; Other services Service code 49 | — | $15K |
| SEGAL SELECT INSURANCE SERVICES | Insurance brokerage commissions and fees Service code 53 | — | $9K |
| VIRGINIA & AMBINDER EIN 13-4166736 | Legal; Direct payment from the plan Service code 29 | — | $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 | 2,636 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2,252 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 4,888 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 11,530 | $7.0M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,579 | $205K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,579 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,530 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.