| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIRITAIN HEALTH3 | 300 CORPORATE PARKWAY AMHERST, NY 14226 | NIAGARA LIFE AND HEALTH INSURANCE | $28K | — | $28K | 5.54% |
| ASSOCIATED CONSULTING GROUP INC3 | 147 UNION STREET BROOKLYN, NY 11231 | AETNA LIFE INSURANCE CO. | $14K | — | $14K | 9.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASSOCIATED CONSULTING GROUP EIN 03-0406283 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $173K |
| PHILIP FAICCO EIN 13-5562786 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $105K |
| MICHELE ROMANO EIN 13-5562786 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $89K |
| ROSEANN SCELZO EIN 13-5562786 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $66K |
| KAUFF MCGUIRE & MARGOLIS, LLP NONE | Legal; Direct payment from the plan Service code 29 | 950 3RD AVENUE NEW YORK, NY 10022 | $56K |
| DANIEL H. COOK ASSOCIATES, INC. NONE | Direct payment from the plan; Contract Administrator Service code 13 | 253 WEST 35TH STREET, 12TH FL NEW YORK, NY 10001 | $48K |
| THE LAW OFFICE OF DENNIS M. WALSH NONE | Legal; Direct payment from the plan Service code 29 | 415 MADISON AVENUE, 11TH FLOOR NEW YORK, NY 10017 | $30K |
| ARMAO LLP EIN 46-2754053 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $27K |
| SSP A DIVISION OF CALIBRE CPA GROUP EIN 47-0900880 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $24K |
| ADVANCED CORPORATE SYSTEMS EIN 11-3487615 NONE | Other services; Direct payment from the plan Service code 49 | — | $17K |
| ZERAH & COMPANY CPA'S PC EIN 11-2674216 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $5K |
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 | 336 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 720 | $155K |
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 762 | $59K |
| Stop-loss / reinsurancereinsurance | NIAGARA LIFE AND HEALTH INSURANCE | 337 | $501K |
| Other | AMALGAMATED LIFE INSURANCE COMPANY | 333 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 762 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.