| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HJ KNIGHT INTERNATIONAL3 | 30 BRAINTREE HILL OFFICE PARK BRAINTREE, MA 02184 | HCC LIFE INSURANCE COMPANY | — | $39K | $39K | 5.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RWDSU/UFCW LOCAL 338 EIN 13-1215100 AFFILIATED LABOR UNION | Direct payment from the plan; Other services Service code 49 | — | $1.6M |
| GUARDIAN NURSES EIN 57-1187937 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $489K |
| RSZ FORENSIC ASSOCIATES LLC NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $312K |
| MAGNACARE ADMINISTRATIVE SERVICES L EIN 11-3410766 NONE | Other services; Direct payment from the plan Service code 49 | — | $241K |
| NATIONAL MEDICAL BILL REVIEW NONE | Consulting (general); Direct payment from the plan Service code 16 | 2255 GRADES RD STE 324 A BOCA RATON, FL 33431 | $193K |
| HEALTH PLAN SYSTEMS EIN 01-0589640 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $185K |
| ACCESS STAFFING, LLC EIN 20-2055411 NONE | Other services; Direct payment from the plan Service code 49 | — | $172K |
| NAVITUS HEALTH SOLUTIONS, LLC EIN 04-3608530 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $161K |
| FRIEDMAN & ANSPACH EIN 13-3403675 NONE | Legal; Direct payment from the plan Service code 29 | — | $160K |
| NEW YORK MEDICAL MANAGEMENT, INC. EIN 11-3274214 NONE | Other services; Direct payment from the plan Service code 49 | — | $147K |
| HARAJANIE SINGH EIN 13-2980858 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $117K |
| ANNA JANEKE EIN 13-2980858 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $106K |
| SOLEDAD PEREZ EIN 13-2980858 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $90K |
| TARA LOPEZ EIN 13-2980858 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $86K |
| ISMAEL TORRES EIN 13-2980858 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $84K |
| LAURIE GREENSTEIN EIN 13-2980858 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $82K |
| ANAIS URENA EIN 13-2980858 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $81K |
| DEBRA NALBACH EIN 13-2980858 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $80K |
| IRENE VELEZ-LIRIANO EIN 13-2980858 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $79K |
| ALEJANDRA GIOIA EIN 13-2980858 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $72K |
| EDWARD CIMAFONTE EIN 13-2980858 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $71K |
| MAYRA NAVARRO EIN 13-2980858 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $71K |
| ASTRID SALVADOR EIN 13-2980858 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $70K |
| KARISSA CRUZ EIN 13-2980858 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $70K |
| KATHERINE PIMENTAL EIN 13-2980858 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $63K |
| DEBRA BOLBACH EIN 13-2980858 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $61K |
| NEIL GONZALVO EIN 13-2980858 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $61K |
| YARITZA KENNEDY EIN 13-2980858 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $61K |
| OLGA ROBERTSON-LOPEZ EIN 13-2980858 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $60K |
| NOVAK FRANCELLA, LLC EIN 61-1436956 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $59K |
| JENNIFER CABRERA EIN 13-2980858 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $58K |
| ELENA DUNDON EIN 13-2980858 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $57K |
| MICHAEL PASQUARETTA EIN 13-2980858 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $55K |
| ROBERT WULWICK MD NONE | Consulting (general); Direct payment from the plan Service code 16 | 265 CHESTNUT DRIVE ROSLYN, NY 11576 | $55K |
| CHRISTINA BALLESTER EIN 13-2980858 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $53K |
| HAROLD MITTEL EIN 13-2980858 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $51K |
| CORINA HERNANDEZ EIN 13-2980858 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $51K |
| CONSUELO FRIAS EIN 13-2980858 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $50K |
| FANNY BORJAS EIN 13-2980858 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $48K |
| MICHAEL VALENTI EIN 13-2980858 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $45K |
| CIALLI CASTILLO EIN 13-2980858 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $43K |
| EDDIE MARZOCCHI EIN 13-2980858 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $43K |
| BRIAN HUGHES EIN 13-2980858 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $43K |
| HIGH LINE HEALTH NONE | Direct payment from the plan; Consulting (general) Service code 16 | 32 OLD SLIP NEW YORK, NY 10005 | $42K |
| KEVIN MUSE EIN 13-2980858 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $41K |
| YURY JIMENEZ EIN 13-2980858 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $41K |
| FREDERICK WREN EIN 13-2980858 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $39K |
| OLUWA DAMISI AKINKOUWO EIN 13-2980858 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $39K |
| JENNIFER LIPAK EIN 13-2980858 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $38K |
| SUMMIT ACTUARIAL SERVICES, LLC EIN 20-3838633 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $38K |
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 | 3,290 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 3,313 | $706K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,313 | — |
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.