No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FRANK M. VACCARO & ASSOCIATES, INC. EIN 23-2148108 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $400K |
| LERNER LAW FIRM & ASSOCIATES PC EIN 27-3629002 NONE | Legal; Direct payment from the plan Service code 29 | — | $200K |
| MEADOW CONSULTING EIN 11-3285938 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $184K |
| ABBY KAPLAN EIN 13-5542693 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $151K |
| KENNEDY JENNIK & MURRARY PC EIN 25-1919594 NONE | Legal; Direct payment from the plan Service code 29 | — | $148K |
| SCHULTHEIS & PANETTIERI LLP EIN 13-1577780 AUDITOR | Consulting (general); Accounting (including auditing); Direct payment from the plan Service code 10 | — | $139K |
| BOYD WATTERSON ASSET MANAGEMENT LLC EIN 34-1922005 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $104K |
| THERESA ORTIZ EIN 13-5542693 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $98K |
| MONICA DEL-DEBBIO EIN 13-5542693 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $86K |
| XIAO-MEI QU EIN 13-5542693 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $86K |
| GIOVANNA BELLANTUONO EIN 13-5542693 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $85K |
| JESSICA SCHIPPEL EIN 13-5542693 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $84K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 20-8764829 NONE | Investment management fees paid indirectly by plan; Securities brokerage commissions and fees; Other commissions; Investment management; Investment management fees paid directly by plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Custodial (securities); Recordkeeping fees; Securities brokerage Service code 15 | — | $82K |
| ANGELICA M. RODRIGUEZ SANCHEZ EIN 13-5542693 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $79K |
| CARE PLUS SOLUTIONS INC NONE | Direct payment from the plan; Consulting (general) Service code 16 | 29 CHASE ROAD SCARSDALE, NY 10583 | $46K |
| INVESCO TRUST COMPANY EIN 46-3793325 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $34K |
| MARIA VASSEL EIN 13-5542693 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $30K |
| PRUDENTIAL RET INS & ANNUITY CO EIN 06-1050034 NONE | Investment management fees paid indirectly by plan; Float revenue; Investment management; Investment management fees paid directly by plan Service code 28 | — | $28K |
| RICHARD GABRIEL ASSOCIATES EIN 23-2817579 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $27K |
| VITO SOSCA NONE | Other services; Direct payment from the plan Service code 49 | 1526 BAY RIDGE PKWY BROOKLYN, NY 11228 | $13K |
| REYNOLDS CONSULTING SERVICES LLC EIN 20-1899564 NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | — | $10K |
| SELE DENT INC NONE | Consulting (general); Direct payment from the plan Service code 16 | 1 HUNTINGTON QUADRANGLE MELVILLE, NY 11747 | $10K |
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 | 1,897 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 729 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,626 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Prescription drug | MEDCO CONTAINMENT LIFE INSURANCE COMPANY (MCLIC) | 370 | $1.1M |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 1,965 | $910K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,965 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.