| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP INC | 25 MELVILLE PARK RD STE 260 MELVILLE, NY 117473156 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 13.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| 1199 SEIU NATL BEN FD FOR HLTH & HS EIN 13-1628401 NONE | Other fees Service code 99 | — | $4.1M |
| 3BF PARTNERS LLC EIN 37-1920632 NONE | Other fees Service code 99 | — | $1.2M |
| HOFSTRA UNIVERSITY EIN 11-1630906 NONE | Other fees Service code 99 | — | $1.2M |
| SAGLOBAL US INC EIN 85-0560802 NONE | Other services Service code 49 | — | $859K |
| BRONX HOUSE INC. EIN 13-1739935 NONE | Other fees Service code 99 | — | $383K |
| MOSHOLU MONTEFIORE COMMUNITY CENTER EIN 13-3622107 NONE | Other fees Service code 99 | — | $347K |
| QUEENS COLLEGE SUMMER PROGRAM EIN 11-6001344 NONE | Other fees Service code 99 | — | $341K |
| MILL BASIN DAY CAMP EIN 11-3416534 NONE | Other fees Service code 99 | — | $334K |
| HEBREW EDUCATIONAL SOCIETY EIN 11-1642720 NONE | Other fees Service code 99 | — | $306K |
| YOUNG PEOPLE'S DAY CAMPS, INC. EIN 13-2873913 NONE | Other fees Service code 99 | — | $302K |
| WORLD OF DISCOVERY DAY CAMP EIN 11-3243720 NONE | Other fees Service code 99 | — | $284K |
| ARKLOW-FBF LLC EIN 26-1216404 NONE | Other fees Service code 99 | — | $267K |
| OASIS CHILDREN'S SERVICES, LLC EIN 13-4122873 NONE | Other fees Service code 99 | — | $238K |
| CROSS ISLAND YMCA EIN 13-1624228 NONE | Other fees Service code 99 | — | $216K |
| GREAT SOUTH BAY YMCA EIN 11-1649914 NONE | Other fees Service code 99 | — | $183K |
| HANDS IN 4 YOUTH, INC. EIN 13-5641852 NONE | Other fees Service code 99 | — | $180K |
| KINGS BAY YM-YWHA INC EIN 11-3068515 NONE | Other fees Service code 99 | — | $178K |
| A-LIST SERVICES, LLC EIN 03-0568421 NONE | Other services Service code 49 | — | $158K |
| RICHMOND COUNTY DAY CAMP NONE | Other fees Service code 99 | P.O. BOX 633 MANALAPAN, NJ 07726 | $157K |
| FUN STATION SUMMER DAY CAMP INC EIN 81-4327990 NONE | Other fees Service code 99 | — | $147K |
| SAMUEL FIELD YM & YWHA INC EIN 11-3071518 NONE | Other fees Service code 99 | — | $145K |
| SHI - INTERNATIONAL CORP EIN 22-3009648 NONE | Other fees Service code 99 | — | $143K |
| PARK SLOPE DAY CAMP EIN 11-3111622 NONE | Other fees Service code 99 | — | $141K |
| BROOKHAVEN COUNTRY DAY CAMP EIN 11-2847664 NONE | Other fees Service code 99 | — | $141K |
| STEP VISUAL COMMUNICATIONS LLC EIN 26-4662241 NONE | Copying and duplicating Service code 36 | — | $122K |
| AUTOMATIC DATA PROCESSING, INC. EIN 22-1467904 NONE | Other services Service code 49 | — | $121K |
| MAGIC DAY CAMP INC EIN 46-4486403 NONE | Other fees Service code 99 | — | $109K |
| FITMAR MANAGEMENT LLC EIN 20-1365613 NONE | Other fees Service code 99 | — | $103K |
| EDITH & CARL MARKS JEWISH COMM. EIN 11-1633484 NONE | Other fees Service code 99 | — | $98K |
| TD BANK, N.A. EIN 01-0137770 NONE | Other fees Service code 99 | — | $93K |
| CAMPUS ASP INC EIN 27-2700198 NONE | Other fees Service code 99 | — | $92K |
| CAMP ECHO BAY/SALESIAN HIGH SCHOOL NONE | Other fees Service code 99 | 148 MAIN STREET NEW ROCHELLE, NY 10801 | $92K |
| AUBURN IT RESOURCES, INC. EIN 82-4462048 NONE | Other fees Service code 99 | — | $91K |
| BRONX YMCA CASTLE HILL EIN 13-1624228 NONE | Other fees Service code 99 | — | $83K |
| JCC OF STATEN ISLAND EIN 13-5562256 NONE | Other fees Service code 99 | — | $80K |
| HUNTINGTON YMCA EIN 11-1649914 NONE | Other fees Service code 99 | — | $73K |
| MANHATTAN BEACH SUMMER CAMP, INC EIN 92-1907000 NONE | Other fees Service code 99 | — | $71K |
| HARLEM YMCA/J. ROBINSON YOUTH CTR EIN 13-1624228 NONE | Other fees Service code 99 | — | $66K |
| NEW ROCHELLE YMCA EIN 13-1740542 NONE | Other fees Service code 99 | — | $62K |
| JAMAICA YMCA EIN 13-1624228 NONE | Other fees Service code 99 | — | $58K |
| CORTELYOU EARLY CHILDHOOD CENTER EIN 11-2664393 NONE | Other fees Service code 99 | — | $57K |
| HARLEM SCHOOL OF THE ARTS EIN 13-2552500 NONE | Other fees Service code 99 | — | $50K |
| YM & YWHA OF WASH. HEIGHTS & INWOOD EIN 13-1635308 NONE | Other fees Service code 99 | — | $48K |
| RED ROBIN COUNTRY DAY CAMP NONE | Other fees Service code 99 | 878 JERICHO TURNPIKE WESTBURY, NY 11590 | $44K |
| THE LEARNING TREE EIN 11-3468256 NONE | Other fees Service code 99 | — | $40K |
| LONG ISLAND CITY YMCA EIN 13-1624228 NONE | Other fees Service code 99 | — | $40K |
| PROSPECT PARK YMCA EIN 13-1624228 NONE | Other fees Service code 99 | — | $39K |
| JOANNE FRANKLIN, INC EIN 13-3753653 NONE | Other services Service code 49 | — | $39K |
| STATEN ISLAND YMCA BROADWAY CENTER EIN 13-1624228 NONE | Other fees Service code 99 | — | $37K |
| BRYAN'S EDUCATIONAL CENTER INC. EIN 11-2894776 NONE | Other fees Service code 99 | — | $36K |
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 | 115,024 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 115,024 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 97 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 97 | — |
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.