| 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 | 13.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| 1199 SEIU NATL BEN FD FOR HLTH & HS EIN 13-1628401 NONE | Other fees Service code 99 | — | $3.3M |
| HOFSTRA UNIVERSITY EIN 11-1630906 | Other fees Service code 99 | — | $877K |
| BRONX HOUSE DAY CAMP EIN 13-1739935 NONE | Other fees Service code 99 | — | $340K |
| MILL BASIN DAY CAMP EIN 11-3416534 NONE | Other fees Service code 99 | — | $317K |
| MOSHOLU MONTEFIORE COMMUNITY CENTER EIN 13-3622107 NONE | Other fees Service code 99 | — | $299K |
| ARKLOW-FBF LLC EIN 26-1216404 NONE | Other fees Service code 99 | — | $270K |
| YOUNG PEOPLE'S DAY CAMPS, INC. EIN 13-2873913 NONE | Other fees Service code 99 | — | $248K |
| QUEENS COLLEGE SUMMER PROGRAM EIN 11-6001344 NONE | Other fees Service code 99 | — | $244K |
| 3BF PARTNERS LLC EIN 37-1920632 NONE | Other fees Service code 99 | — | $240K |
| WORLD OF DISCOVERY DAY CAMP EIN 11-3243720 NONE | Other fees Service code 99 | — | $216K |
| OASIS CHILDREN'S SERVICES, LLC EIN 13-4122873 NONE | Other fees Service code 99 | — | $211K |
| A-LIST SERVICES, LLC EIN 03-0568421 NONE | Other services Service code 49 | — | $147K |
| GREAT SOUTH BAY YMCA EIN 11-1649914 NONE | Other fees Service code 99 | — | $138K |
| AUTOMATIC DATA PROCESSING, INC. EIN 22-1467904 NONE | Other services Service code 49 | — | $135K |
| RICHMOND COUNTY DAY CAMP NONE | Other fees Service code 99 | PO BOX 633 MANALAPAN, NJ 07726 | $129K |
| PARK SLOPE DAY CAMP EIN 11-3111622 NONE | Other fees Service code 99 | — | $124K |
| FUN STATION SUMMER DAY CAMP INC EIN 81-4327990 NONE | Other fees Service code 99 | — | $111K |
| CROSS ISLAND YMCA EIN 13-1624228 NONE | Other fees Service code 99 | — | $111K |
| HANDS IN 4 YOUTH, INC. EIN 13-5641852 NONE | Other fees Service code 99 | — | $99K |
| CAMP ECHO BAY/SALESIAN HIGH SCHOOL NONE | Other fees Service code 99 | 148 MAIN STREET NEW ROCHELLE, NY 10801 | $98K |
| MAGIC DAY CAMP INC EIN 46-4486403 NONE | Other fees Service code 99 | — | $92K |
| SAMUEL FIELD YM & YWHA INC EIN 11-3071518 NONE | Other fees Service code 99 | — | $89K |
| BROOKHAVEN COUNTRY DAY CAMP EIN 11-2847664 NONE | Other fees Service code 99 | — | $74K |
| HARLEM SCHOOL OF THE ARTS EIN 13-2552500 NONE | Other fees Service code 99 | — | $71K |
| FITMAR MANAGEMENT LLC EIN 20-1365613 NONE | Other fees Service code 99 | — | $65K |
| VANGUARD GROUP STAFFING EIN 13-3854763 NONE | Finders' fees / placement fees Service code 61 | — | $64K |
| STEP VISUAL COMMUNICATIONS LLC EIN 26-4662241 NONE | Copying and duplicating Service code 36 | — | $64K |
| NEW ROCHELLE YMCA EIN 13-1740542 NONE | Other fees Service code 99 | — | $60K |
| EDITH & CARL MARKS JEWISH COMM. EIN 11-1633484 NONE | Other fees Service code 99 | — | $56K |
| CORTELYOU EARLY CHILDHOOD CENTER EIN 11-2664393 NONE | Other fees Service code 99 | — | $53K |
| BCA WATSON RICE LLP EIN 26-1726741 NONE | Accounting (including auditing) Service code 10 | — | $52K |
| BLUE DOLPHIN SUMMER CAMP EIN 20-4357238 NONE | Other fees Service code 99 | — | $51K |
| KINGS BAY YM-YWHA INC EIN 11-3068515 NONE | Other fees Service code 99 | — | $51K |
| YM & YWHA OF WASH. HEIGHTS & INWOOD EIN 13-1635308 NONE | Other fees Service code 99 | — | $48K |
| BRONX YMCA CASTLE HILL EIN 13-1624228 NONE | Other fees Service code 99 | — | $44K |
| MANHATTAN BEACH COOL KIDS LLC EIN 20-3068968 NONE | Other fees Service code 99 | — | $43K |
| HEBREW EDUCATIONAL SOCIETY EIN 11-1642720 NONE | Other fees Service code 99 | — | $36K |
| CAMPUS ASP INC EIN 27-2700198 NONE | Other fees Service code 99 | — | $34K |
| BANK STREET SUMMER DAY CAMP EIN 13-5562167 NONE | Other fees Service code 99 | — | $33K |
| KIPS BAY BOYS & GIRLS CLUB NONE | Other fees Service code 99 | 1930 RANDALL AVENUE BRONX, NY 10473 | $32K |
| HUNTINGTON YMCA EIN 11-1649914 NONE | Other fees Service code 99 | — | $31K |
| JOANNE FRANKLIN, INC EIN 13-3753653 NONE | Other services Service code 49 | — | $28K |
| PROSPECT PARK YMCA EIN 13-1624228 NONE | Other fees Service code 99 | — | $28K |
| JAMAICA YMCA EIN 13-1624228 NONE | Other fees Service code 99 | — | $28K |
| THE LEARNING TREE EIN 11-3468256 NONE | Other fees Service code 99 | — | $24K |
| INNER FORCE TOTS EIN 20-2445783 NONE | Other fees Service code 99 | — | $23K |
| BRYAN'S EDUCATIONAL CENTER INC. EIN 11-2894776 NONE | Other fees Service code 99 | — | $22K |
| BEDFORD YMCA EIN 13-1624228 NONE | Other fees Service code 99 | — | $22K |
| UP & COMING YOUTH, INC EIN 84-2858311 NONE | Other fees Service code 99 | — | $22K |
| DODGE YMCA EIN 13-1624228 NONE | Other fees Service code 99 | — | $17K |
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 | 108,298 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 108,298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 87 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 87 | — |
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.