| 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 | $11 | $2K | 15.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HOFSTRA UNIVERSITY SUMMER DAY CAMPS EIN 11-1630906 NONE | Other fees Service code 99 | 250 HOFSTRA UNIVERSITY HEMPSTEAD, NY 11549 | $869K |
| MILL BASIN DAY CAMP EIN 11-3416534 NONE | Other fees Service code 99 | 5945 STRICKLAND AVENUE BROOKLYN, NY 11234 | $480K |
| QUEENS COLLEGE SUMMER PROGRAM EIN 11-6001344 NONE | Other fees Service code 99 | 65-30 KISEENA BLVD FLUSHING, NY 11367 | $475K |
| BRONX HOUSE DAY CAMP EIN 13-1739935 NONE | Other fees Service code 99 | 990 PELHAM PARKWAY OFFICE OF THE BURSAR-COLSTON HALL BRONX, NY 10453 | $405K |
| MOSHOLU MONTEFIORE COMM. CTR EIN 13-3622107 NONE | Other fees Service code 99 | 3450 DEKALB AVENUE BRONX, NY 10467 | $399K |
| AVIATOR SPORTS AND RECREATION EIN 26-1216404 NONE | Other fees Service code 99 | HANGER 5 FLOYD BENNETT FIELD BROOKLYN, NY 11234 | $362K |
| HEBREW EDUCATIONAL SOCIETY EIN 11-1642720 NONE | Other fees Service code 99 | 9502 SEVENTH AVENUE BROOKLYN, NY 11236 | $358K |
| YOUNG PEOPLES DAY CAMPS, INC. EIN 13-2873913 NONE | Other fees Service code 99 | 20 HIGHLAND CT FREEHOLD, NJ 07728 | $284K |
| OASIS CHILDRENS SERVICES EIN 13-4122873 NONE | Other fees Service code 99 | 20 JAY STREET SUITE 802 BROOKLYN, NY 11201 | $267K |
| CROSS ISLAND YMCA EIN 13-1624228 NONE | Other fees Service code 99 | 238-10 HILLSIDE AVENUE BELLEROSE, NY 11426 | $260K |
| WORLD OF DISCOVERY DAY CAMP EIN 11-3243720 NONE | Other fees Service code 99 | PO BOX 604010 BAY TERRACE, NY 11360 | $222K |
| FITMAR MANAGEMENT LLC DBA PAERDEGAT EIN 20-1365613 NONE | Other fees Service code 99 | 1500 PAERDEGAT AVENUE NORTH BROOKLYN, NY 11236 | $176K |
| GREAT SOUTH BAY YMCA EIN 11-1649914 NONE | Other fees Service code 99 | 200 W MAIN STREET BAY SHORE, NY 11706 | $176K |
| A-LIST SERVICES, LLC EIN 03-0568421 NONE | Other fees Service code 99 | 363 7TH AVENUE NEW YORK, NY 10001 | $169K |
| PARK SLOPE DAY CAMP EIN 11-3111622 NONE | Other fees Service code 99 | 694 FIFTH AVENUE BROOKLYN, NY 11215 | $141K |
| CAMP ECHO BAY EIN 13-1740487 NONE | Other fees Service code 99 | 148 MAIN STREET NEW ROCHELLE, NY 10801 | $129K |
| CORTELYOU EARLY CHILDHOOD CTR INC. EIN 11-2664393 NONE | Other fees Service code 99 | 1110 CORTELYOU ROAD BROOKLYN, NY 11218 | $126K |
| RICHMOND COUNTY DAY CAMP EIN 20-3803027 NONE | Other fees Service code 99 | PO BOX 633 ENGLISHTOWN, NJ 07726 | $123K |
| MAGIC DAY CAMP INC. EIN 46-4486403 NONE | Other fees Service code 99 | 82-46 234TH STREET BELLEROSE, NY 11427 | $113K |
| BRONX YMCA CASTLE HILL EIN 13-1624228 NONE | Other fees Service code 99 | 2 CASTLE HILL AVENUE BRONX, NY 10473 | $107K |
| THE FRESH AIR FUND EIN 13-1656653 NONE | Other fees Service code 99 | 633 THIRD AVENUE NEW YORK, NY 10017 | $102K |
| ADP, INC. EIN 22-3006057 NONE | Other services Service code 49 | PO BOX 9001006 LOUISVILLE, KY 40290 | $93K |
| STEP VISUAL COMMUNICATION, LLC EIN 26-4662241 NONE | Copying and duplicating Service code 36 | 38 LAWRIDGE DR RYE BROOK, NY 10573 | $91K |
| JAMAICA YMCA EIN 13-1624228 NONE | Other fees Service code 99 | 89-25 PARSONS BOULEVARD JAMAICA, NY 11432 | $86K |
| HARLEM YMCA/JACKIE ROBINSON YOUTH C EIN 13-1624228 NONE | Other fees Service code 99 | 180 WEST 135TH STREET NEW YORK, NY 10030 | $84K |
| HARLEM SCHOOL OF THE ARTS EIN 13-2552500 NONE | Other fees Service code 99 | 645 SAINT NICHOLAS AVENUE NEW YORK, NY 10030 | $80K |
| MARKS JCH OF BENSONHURST EIN 11-1633484 NONE | Other fees Service code 99 | 7802 BAY PARKWAY BROOKLYN, NY 11214 | $79K |
| CENTRAL QUEENS YM-YWHA EIN 11-1633509 NONE | Other fees Service code 99 | 67-09 108TH STREET FOREST HILLS, NY 11375 | $77K |
| PROSPECT PARK YMCA EIN 13-1624228 NONE | Other fees Service code 99 | 357 NINTH STREET BROOKLYN, NY 11215 | $69K |
| MCBURNEY YMCA EIN 13-1624228 NONE | Other fees Service code 99 | 125 WEST 14TH STREET NEW YORK, NY 10011 | $65K |
| FUN STATION DAY CAMP EIN 45-4198934 NONE | Other fees Service code 99 | 3555 VICTORY BLVD STATEN ISLAND, NY 10314 | $64K |
| STATEN ISLAND YMCA BROADWAY CENTER EIN 13-1624228 NONE | Other fees Service code 99 | 651 BROADWAY STATEN ISLAND, NY 10310 | $64K |
| BROOKHAVEN COUNTRY DAY CAMP EIN 11-2847664 NONE | Other fees Service code 99 | PO BOX 175 YAPHANK, NY 11980 | $62K |
| BANK STREET SUMMER DAY CAMP EIN 13-5562167 NONE | Other fees Service code 99 | 610 WEST 112TH STREET NEW YORK, NY 10025 | $57K |
| THE LEARNING TREE EIN 11-3468256 NONE | Other fees Service code 99 | 74-15 JUNIPER BLVD NORTH MIDDLE VILLAGE, NY 11379 | $57K |
| YM & YWHA OF WASHINGTON HEIGHTS EIN 13-1635308 NONE | Other fees Service code 99 | 54 NAGEL AVENUE NEW YORK, NY 10040 | $57K |
| FW ENRICHMENT CENTER, LLC DBA FRENC EIN 47-2265777 NONE | Other fees Service code 99 | PO BOX 640 HANCOCK, NY 13783 | $53K |
| CAMPUS ASP, INC EIN 27-2700198 NONE | Other fees Service code 99 | 2901 CAMPUS ROAD BROOKLYN, NY 11210 | $52K |
| WATSONRICE LLP EIN 26-1726741 NONE | Accounting (including auditing) Service code 10 | 5 PENN PLAZA 15TH FLOOR NEW YORK, NY 10001 | $48K |
| STATEN ISLAND YMCA SOUTH SHORE EIN 13-1624228 NONE | Other fees Service code 99 | 3939 RICHMOND AVENUE STATEN ISLAND, NY 10312 | $47K |
| DODGE YMCA EIN 13-1624228 NONE | Other fees Service code 99 | 225 ATLANTIC AVENUE BROOKLYN, NY 11201 | $44K |
| REGENT SCHOOL EIN 13-3394735 NONE | Other fees Service code 99 | 719 EAST 216TH STREET BRONX, NY 10467 | $43K |
| KINGS BAY Y SUMMER CAMP EIN 11-3068515 NONE | Other fees Service code 99 | 3495 NOSTRAND AVENUE BROOKLYN, NY 11229 | $42K |
| NEW ROCHELLE YMCA EIN 13-1740542 NONE | Other fees Service code 99 | 50 WEYMAN AVENUE NEW ROCHELLE, NY 10805 | $41K |
| HUNTINGTON YMCA EIN 11-1649914 NONE | Other fees Service code 99 | 60 MAIN STREET HUNTINGTON, NY 11743 | $41K |
| THE CHILDRENS AID SOCIETY GOODHUE/ EIN 13-5562191 NONE | Other fees Service code 99 | 304 PROSPECT AVENUE STATEN ISLAND, NY 10301 | $37K |
| THE BACHRACH GROUP LTD EIN 03-0408733 NONE | Other fees Service code 99 | 39 WEST 37TH STREET 5TH FLOOR NEW YORK, NY 10018 | $36K |
| BRONXWORKS INC. EIN 13-3254484 NONE | Other fees Service code 99 | 1130 GRAND CONCOURSE BRONX, NY 10456 | $36K |
| KIPS BAY BOYS AND GIRLS CLUB EIN 13-1623850 NONE | Other fees Service code 99 | 1930 RANDALL AVENUE BRONX, NY 10473 | $34K |
| INNER FORCE TOTS EIN 20-2445783 NONE | Other fees Service code 99 | 1181 EAST NEW YORK AVENUE BROOKLYN, NY 11212 | $32K |
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 | 114,272 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 114,272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 94 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 94 | — |
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.