| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PLACE, 14TH FLR ITASCA, IL 60143 | GROUP HEALTH INC | $180K | — | $180K | 3.00% |
| SOLID BENEFIT GUIDANCE3 | 85 CHESTNUT RIDGE ROAD, STE 214 MONTVALE, NJ 07645 | MVP HEALTHCARE | $29K | — | $29K | 1.89% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY INC | 210 CLINTON RD NEW HARTFORD, NY 13413 | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC. | $43K | — | $43K | 3.84% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD, 2ND FLR HAUPPAUGE, NY 11788 | HARTFORD LIFE AND ACCIDENT | $38K | $23K | $61K | 16.08% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY INC | 210 CLINTON RD NEW HARTFORD, NY 13413 | MVP HEALTHCARE | $6K | — | $6K | 4.09% |
| ANTHONY PECONE3 | 116 REDFERN DRIVE CARY, NC 27518 | AETNA LIFE INSURANCE COMPANY | $4K | — | $4K | 9.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MAGNACARE EIN 11-3410766 NONE | Direct payment from the plan; Other insurance fees and expenses; Claims processing Service code 12 | — | $1.3M |
| MARSHALL & MOSS PAYROLL COMPLIANCE EIN 04-3652965 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $684K |
| BARNES,IACCARINO & SHEPHERD LLP EIN 26-3858697 NONE | Legal; Direct payment from the plan Service code 29 | — | $545K |
| GENERAL VISION SERVICES LLC EIN 11-3580576 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $209K |
| INNOVATIVE SOFTWARE SOLUTIONS INC EIN 23-2182079 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $188K |
| GREGORY VAGELATOS EIN 13-5600369 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $178K |
| LLOYD GOLDENBERG EIN 13-5600369 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $159K |
| THE SEGAL COMPANY INC EIN 13-1835864 NONE | Consulting (pension); Actuarial; Direct payment from the plan Service code 11 | — | $159K |
| DAVIS VISION INC EIN 11-3051991 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $156K |
| SOLID BENEFIT GUIDANCE EIN 20-2532319 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $154K |
| KOBGO ASSOCIATES INC EIN 13-2751089 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $132K |
| ADMINSTRATIVE SERVICES ONLY INC EIN 11-2995970 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $121K |
| KEVIN MCMENOMY EIN 13-5600369 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $104K |
| MONICA ORTIZ EIN 13-5600369 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $99K |
| INTERCONTINENTAL REAL ESTATE EIN 13-3786306 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $92K |
| SALVATORE SAVARESE EIN 13-5600369 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $87K |
| MARSHALL AND MOSS LLP EIN 11-3360166 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $79K |
| PROSKAUER ROSE LLP EIN 13-1840454 NONE | Legal; Direct payment from the plan Service code 29 | — | $76K |
| ASHLEY NIEVES EIN 13-5600369 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $76K |
| MELINDA JAMES EIN 13-5600369 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $71K |
| IRENE DOMAGALA EIN 13-5600369 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $59K |
| EMILY LAFFERTY EIN 13-5600369 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $57K |
| STEVEN SALZMAN EIN 13-5600369 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $57K |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $55K |
| GEORGEANNE MAMAKAS EIN 13-5600369 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $55K |
| MIRIAM MOGOLLON EIN 13-5600369 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $53K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $53K |
| JUANITA MIESES EIN 13-5600369 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $52K |
| ANGELA BOWDEN EIN 13-5600369 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $49K |
| NIRZA CORTES EIN 13-5600369 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $44K |
| MARIA RASSO EIN 13-5600369 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $44K |
| PRUDENTIAL RETIREMENT INSURANCE AND EIN 06-1050034 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $43K |
| PATTISON KOSKEY HOWE BUCCI PC EIN 14-1746505 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $43K |
| CARRIZA DIMAYUGA EIN 13-5600369 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $40K |
| MICHAEL MALDONADO EIN 13-5600369 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $36K |
| METROPOLITAN TEMPORARIES EIN 13-3423067 NONE | Other services; Direct payment from the plan Service code 49 | — | $33K |
| AMALGAMATED BANK OF NEW YORK EIN 13-4920330 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $31K |
| CLEARARC CAPITAL INC. EIN 34-1172683 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $31K |
| VISION SCREENING INC EIN 06-1434201 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $31K |
| SEDORE AND COMPANY EIN 14-1698408 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $27K |
| BP AIR CONDITIONING CORP EIN 13-2958608 NONE | Other services; Direct payment from the plan Service code 49 | — | $26K |
| J.R. MANNAVA EIN 13-5600369 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $26K |
| JACQUELINE CENTENO-LUGO EIN 13-5600369 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $26K |
| VOYA INVESTMENT MANAGEMENT EIN 45-2872871 NONE | Investment management; Investment management fees paid directly by plan; Soft dollars commissions Service code 28 | — | $23K |
| WELLS FARGO BANK, N.A. EIN 41-0449620 NONE | Custodial (other than securities); Other investment fees and expenses; Direct payment from the plan; Investment management Service code 18 | — | $19K |
| RBT CPAS LLP NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 11 RACQUET ROAD SUITE 1 NEWBURGH, NY 12550 | $19K |
| APPLE DIRECT MAIL SERVICES LTD EIN 13-2997333 NONE | Participant communication; Direct payment from the plan Service code 38 | — | $18K |
| TYCO INTEGRATED SECURITY LLC NONE | Other services; Direct payment from the plan Service code 49 | 1501 YAMATO ROAD BOCA RATON, FL 33431 | $18K |
| MACKAY SHIELDS LLC EIN 13-5582869 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $16K |
| IESI NY CORPORATION NONE | Direct payment from the plan; Other services Service code 49 | 111 EIGHTH AVENUE NEW YORK, NY 10011 | $15K |
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 | 5,674 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 770 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,444 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GROUP HEALTH INC | 384 | $7.1M |
| Dental | THE UNION LABOR LIFE INSURANCE COMPANY | 108 | $29K |
| Life insurance(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,620 | $453K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 895 | $381K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,620 | $453K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,620 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.