| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONTEMPORARY STRATEGIC SOLUTIONS4 | 19 WILLOW LANE SPRING LAKE HEIGHTS, NJ 07762 | THE UNION LABOR LIFE INSURANCE COMPANY | $41K | — | $41K | 10.00% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES INC | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | — | $2K | $2K | 5.98% |
| BODNER BENEFITS GROUP INC3 | 4 CYR CT NEW CITY, NY 10956 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $2K | — | $2K | 5.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE, INC. EIN 23-7391136 NONE | Direct payment from the plan; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator; Claims processing Service code 12 | — | $249K |
| R. BASULTO EIN 13-5520944 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $148K |
| SCHULTHEIS & PANETTIERI, LLP EIN 13-1577780 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $103K |
| P. KIERNAN EIN 13-5520944 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $95K |
| S. D FREDA EIN 13-5520944 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $94K |
| S. MORGAN EIN 13-5520944 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $47K |
| THE SEGAL CO (EASTERN STATES), INC. EIN 13-1835864 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $43K |
| CYBERSECOP, LLC EIN 82-5102442 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $37K |
| GUARDIAN LIFE INSURANCE EIN 13-5123390 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $19K |
| COLLERAN, O'HARA & MILLS LLP EIN 11-2940050 LEGAL | Legal; Direct payment from the plan Service code 29 | — | $18K |
| MODERN ADMINISTRATION SYSTEMS, LLC EIN 92-2010862 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $11K |
| AMERICAN PORTFOLIOS FINANCIAL SVCS. EIN 11-3600438 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $10K |
| LABOR FIRST, LLC EIN 06-1750191 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $10K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Claims processing; Direct payment from the plan; Contract Administrator; Other fees Service code 12 | — | $9K |
| SEGAL SELECT INSURANCE SVCS, INC. EIN 46-0619194 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $1K |
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 | 254 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 97 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 344 | $35K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 291 | $410K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.