| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HJ KNIGHT INTERNATIONAL3 Filed as: H.J. KNIGHT INT'L INSURANCE AGENCY | 30 BRAINTREE HILL OFFICE PK STE 203 BRAINTREE, MA 02184 | HCC LIFE INSURANCE COMPANY | — | $39K | $39K | 7.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RWDSU/UFCW LOCAL 338 EIN 13-1215100 AFFILIATED LABOR UNION | Other fees; Direct payment from the plan Service code 50 | — | $1.5M |
| MAGNACARE EIN 11-3038233 NONE | Claims processing; Direct payment from the plan; Other services Service code 12 | — | $198K |
| HEALTH ADVOCATE INC. EIN 23-3080019 NONE | Direct payment from the plan; Other fees Service code 50 | — | $189K |
| NEW YORK MEDICAL MANAGEMENT, INC. EIN 11-3274214 NONE | Direct payment from the plan; Other fees Service code 50 | — | $182K |
| ACCESS STAFFING, LLC EIN 20-2055411 NONE | Other services; Direct payment from the plan Service code 49 | — | $177K |
| ENVISION EIN 90-1011712 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $173K |
| FRIEDMAN & ANSPACH EIN 13-3403675 NONE | Legal; Direct payment from the plan Service code 29 | — | $162K |
| HEALTH PLAN SYSTEMS EIN 01-0589640 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Direct payment from the plan Service code 15 | — | $159K |
| ESTELLE CARDENAS EIN 13-2980858 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $120K |
| CHARLES HAMILTON EIN 13-2980858 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $113K |
| HARAJANIE SINGH EIN 13-2980858 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $89K |
| PATRICIA RINI EIN 13-2980858 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $83K |
| LAURA METZNER EIN 13-2980858 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $81K |
| ANNA JANEKE EIN 13-2980858 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $80K |
| ANGELA VELLA EIN 13-2980858 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $75K |
| SOLEDAD PEREZ EIN 13-2980858 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $65K |
| BEST DOCTORS, INC. EIN 04-2908444 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $64K |
| LAURIE GREENSTEIN EIN 13-2980858 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $62K |
| NOVAK FRANCELLA, LLC EIN 61-1436956 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $59K |
| DEBRA NALBACH EIN 13-2980858 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $56K |
| ROBERT WULWICK MD NONE | Consulting (general); Direct payment from the plan Service code 16 | 265 CHESTNUT DRIVE ROSLYN, NY 11576 | $55K |
| VANDANA GROVER EIN 13-2980858 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $53K |
| KARISSA CRUZ EIN 13-2980858 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $51K |
| JENNIFER CABRERA EIN 13-2980858 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $50K |
| YARITZA KENNEDY EIN 13-2980858 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $50K |
| MARIA SCHEFFLER EIN 13-2980858 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $50K |
| IRENE VELEZ-LIBRIANO EIN 13-2980858 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $50K |
| EDWARD CIMAFONTE EIN 13-2980858 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $48K |
| JENNIFER WOO EIN 13-2980858 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $48K |
| ELENA DUNDON EIN 13-2980858 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $47K |
| ROSARIO PEGAN EIN 13-2980858 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $46K |
| ALEJANDRA GIOIA EIN 13-2980858 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $45K |
| HEALTH MANAGEMENT SYSTEMS, INC. EIN 13-2770433 NONE | Other services; Direct payment from the plan Service code 49 | — | $45K |
| HAROLD MITTEL EIN 13-2980858 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $43K |
| TARA LOPEZ EIN 13-2980858 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $42K |
| MICHAEL PASQUARETTA EIN 13-2980858 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $41K |
| NEIL GONZALVO EIN 13-2980858 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $40K |
| MICHAEL VALENTI EIN 13-2980858 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $40K |
| KEVIN MUSE EIN 13-2980858 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $39K |
| SUMMIT ACTUARIAL SERVICES, LLC EIN 20-3838633 NONE | Actuarial; Consulting (general); Direct payment from the plan Service code 11 | — | $38K |
| JOAN HOLSTEIN EIN 13-2980858 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $38K |
| DEBRA SERVIDO EIN 13-2980858 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $37K |
| OLUWA DAMISI AKINKOUWO EIN 13-2980858 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $36K |
| FANNY BORJAS EIN 13-2980858 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $35K |
| FREDERICK WREN EIN 13-2980858 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $33K |
| TERI NOBLE EIN 13-2980858 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $32K |
| SHEAD SWEAT EIN 13-2980858 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $29K |
| BRIAN HUGHES EIN 13-2980858 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $29K |
| MICHAEL BURDISH EIN 13-2980858 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $29K |
| CINDY LOPEZ EIN 13-2980858 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $28K |
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 | 2,957 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 73 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,030 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 3,030 | $491K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,030 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.