| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERGRITY UNDERWRITERS | 4914 W. GENESEE STREET CAMILLUS, NY 13031 | AMALGAMATED LIFE | $18K | — | $18K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHONY FRANCO EIN 13-4321969 NONE | Employee (plan); Direct payment from the plan Service code 30 | 99 MINEOLA AVE ROSLYN HEIGHTS, NY 11577 | $288K |
| ATALANTA SOSNOFF EIN 20-0461050 NONE | Investment management; Direct payment from the plan Service code 28 | 101 PARK AVE NEW YORK, NY 10178 | $124K |
| ROTHMAN ROCCO & LARUFFA LLP EIN 47-5401457 NONE | Legal; Direct payment from the plan Service code 29 | 3 WEST MAIN STREET ELMSFORD, NY 10523 | $110K |
| JENNIFER SMITH PLLC EIN 84-2664437 NONE | Legal; Direct payment from the plan Service code 29 | ONE LIBERTY PLAZA NEW YORK, NY 10006 | $68K |
| MARIE MOSSA EIN 13-4321969 NONE | Direct payment from the plan; Employee (plan) Service code 30 | 99 MINEOLA AVE ROSLYN HEIGHTS, NY 11577 | $67K |
| DICKENSON GROUP LLC EIN 20-1241472 NONE | Direct payment from the plan; Claims processing Service code 12 | 50 CHARLES LINDBERGH BLVD UNIONDALE, NY 11553 | $61K |
| MAGNA CARE EIN 11-3426821 NONE | Claims processing; Direct payment from the plan Service code 12 | 825 EAST GATE GARDEN CITY, NY 11530 | $58K |
| SAJ CONSULTANTS INC EIN 26-1304820 NONE | Consulting (general); Direct payment from the plan Service code 16 | 1 CENTRE VIEW DRIVE, NY 11771 | $56K |
| MICHELLE ZUNNO EIN 13-4321969 NONE | Employee (plan); Direct payment from the plan Service code 30 | 99 MINEOLA AVE ROSLYN HEIGHTS, NY 11577 | $55K |
| MARIO BRICENO EIN 13-4321969 NONE | Employee (plan); Direct payment from the plan Service code 30 | 99 MINEOLA AVE ROSLTN HEIGHTS, NY 11577 | $54K |
| US REAL ESTATE INVESTMENT FUND LLC EIN 11-3786306 NONE | Direct payment from the plan; Investment management Service code 28 | 1270 SOLDIERS FIELD RD BOSTON, MA 02135 | $50K |
| MEMBER RESOURCES EIN 26-1308422 NONE | Contract Administrator; Direct payment from the plan Service code 13 | PO BOX 170-397 BROOKLYN, NY 11217 | $45K |
| ANNA MOTTOLA EIN 13-4321969 NONE | Direct payment from the plan; Employee (plan) Service code 30 | 99 MINEOLA AVE ROSLYN HEIGHTS, NY 11577 | $40K |
| CHEIRON INC. EIN 13-4215617 NONE | Direct payment from the plan; Actuarial Service code 11 | PO BOX 37117 BALTIMORE, MD 21297 | $38K |
| CAROL NAGY EIN 13-4321969 NONE | Employee (plan); Direct payment from the plan Service code 30 | 99 MINEOLA BLVD ROSLYN HEIGHTS, NY 11577 | $30K |
| PAYER MATRIX EIN 81-3946362 NONE | Claims processing; Direct payment from the plan Service code 12 | 415 ELMWOOD AVE SHARON HILL, PA 19079 | $28K |
| BROAD REACH MEDICAL RESOURCE EIN 02-0640082 NONE | Direct payment from the plan; Claims processing Service code 12 | 1350 BROADWAY SUITE 410 NEW YORK, NY 10018 | $25K |
| CHAIKEN & CHAIKEN EIN 22-2229209 NONE | Legal; Direct payment from the plan Service code 29 | 444 MADISON AVE NEW YORK, NY 10221 | $22K |
| ROBERT ALLGIER CPA EIN 81-7043030 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 145 PLITT AVE FARMINGDALE, NY 11735 | $21K |
| REYNOLDS & REYNOLDS EIN 20-1899564 NONE | Direct payment from the plan; Investment management Service code 28 | 410 JERICHO TPKE JERICHO, NY 11753 | $17K |
| ANDREA BRICENO EIN 13-4321969 NONE | Employee (plan); Direct payment from the plan Service code 30 | 99 MINEOLA AVE ROSLYN HEIGHTS, NY 11577 | $14K |
| LINCOLN COMPUTER SERVICES EIN 11-3413965 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | 25 BLOOMINGDALE RD HICKSVILLE, NY 11801 | $13K |
| COMPUFY INC. EIN 47-2929552 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | 376 LITTLE EAST NECK RD BABYLON VILLAGE, NY 11702 | $12K |
| DJ O'GRADY EIN 13-3606747 NONE | Consulting fees; Direct payment from the plan Service code 50 | 2800 BRUCKNER BLVD BRONX, NY 10465 | $12K |
| BYRNES SOFTWARE TECHNOLOGIES INC EIN 43-1853340 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 16091 SWINGLEY RIDGE RD CHESTERFIELD, MO 63017 | $12K |
| WAGNER & ZWERMAN LLP EIN 11-2836481 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 450 WIRELESS BLVD HAUPPAUGE, NY 11788 | $6K |
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 | 266 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | AMALGAMATED LIFE | 258 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.