| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | 3.68% |
| JOHN H BLASCH3 | 71 BEECHWOOD LANE BERKELEY HEIGHTS, NJ 07922 | HARTFORD LIFE AND ACCIDENT | $40K | $20K | $60K | 15.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY INC | 210 CLINTON RD NEW HARTFORD, NY 13413 | MVP HEALTHCARE | $4K | — | $4K | 4.32% |
| JOHN H BLASCH3 | 71 BEECHWOOD LANE BERKELEY HEIGHTS, NJ 07922 | SYMETRA LIFE INSURANCE COMPANY | $7K | $846 | $8K | 22.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MAGNACARE EIN 11-3410766 NONE | Other insurance fees and expenses; Direct payment from the plan; Claims processing Service code 12 | — | $1.2M |
| MARSHALL & MOSS PAYROLL COMPLIANCE EIN 04-3652965 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $675K |
| BARNES,IACCARINO & SHEPHERD LLP EIN 26-3858697 NONE | Legal; Direct payment from the plan Service code 29 | — | $496K |
| INNOVATIVE SOFTWARE SOLUTIONS INC EIN 23-2182079 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $210K |
| GENERAL VISION SERVICES LLC EIN 11-3580576 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $196K |
| AURELIA CIOCOI EIN 13-5600369 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $178K |
| LLOYD GOLDENBERG EIN 13-5600369 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $173K |
| ALTUS METAL & MARBLE SERVICES INC. NONE | Other services; Direct payment from the plan Service code 49 | 4316 12TH ST LONG ISLAND CITY, NY 11101 | $164K |
| DAVIS VISION INC EIN 11-3051991 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $159K |
| THE SEGAL COMPANY INC EIN 13-1835864 NONE | Consulting (pension); Actuarial Service code 11 | — | $146K |
| KOBGO ASSOCIATES INC EIN 13-2751089 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $146K |
| ADMINSTRATIVE SERVICES ONLY INC EIN 11-2995970 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $128K |
| EMPIRX HEALTH LLC NONE | Direct payment from the plan; Claims processing Service code 12 | 155 CHESTUT RIDGE RD, STE 103 MONTVALE, NJ 07645 | $123K |
| KEVIN MCMENOMY EIN 13-5600369 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $121K |
| INTERCONTINENTAL REAL ESTATE EIN 13-3786306 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $100K |
| MONICA ORTIZ EIN 13-5600369 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $92K |
| MELINDA JAMES EIN 13-5600369 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $82K |
| SALVATORE SAVARESE EIN 13-5600369 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $79K |
| IRENE DOMAGALA EIN 13-5600369 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $78K |
| ASHLEY NIEVES EIN 13-5600369 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $77K |
| CARLA PICKNEY EIN 13-5600369 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $77K |
| DEBORAH HEIBISCH EIN 13-5600369 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $75K |
| PROSKAUER ROSE LLP EIN 13-1840454 NONE | Legal; Direct payment from the plan Service code 29 | — | $73K |
| MARSHALL AND MOSS LLP EIN 11-3360166 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $70K |
| GEORGEANNE MAMAKAS EIN 13-5600369 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $63K |
| STEVEN SALZMAN EIN 13-5600369 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $61K |
| MIRIAM MOGOLLON EIN 13-5600369 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $61K |
| KEVIN BARRY EIN 13-5600369 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $60K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $54K |
| JUANITA MIESES EIN 13-5600369 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $53K |
| MICHAEL MALDONADO EIN 13-5600369 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $51K |
| ANGELA BOWDEN EIN 13-5600369 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $50K |
| RBT CPAS LLP EIN 14-1604297 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $46K |
| PATTISON KOSKEY HOWE BUCCI PC EIN 14-1746505 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $46K |
| CARRIZA DIMAYUGA 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 | — | $40K |
| METROPOLITAN TEMPORARIES EIN 13-3423067 NONE | Other services; Direct payment from the plan Service code 49 | — | $39K |
| EMILY LAFFERTY EIN 13-5600369 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $37K |
| CLEARARC CAPITAL INC. EIN 34-1172683 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $32K |
| JACQUELINE CENTENO-LUGO EIN 13-5600369 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $31K |
| BP AIR CONDITIONING CORP EIN 13-2958608 NONE | Direct payment from the plan; Other services Service code 49 | — | $31K |
| VISION SCREENING INC EIN 06-1434201 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $30K |
| VOYA INVESTMENT MANAGEMENT EIN 45-2872871 NONE | Soft dollars commissions; Investment management fees paid directly by plan; Investment management Service code 28 | — | $26K |
| WELLS FARGO BANK, N.A. EIN 41-0449620 NONE | Custodial (securities); Direct payment from the plan; Other investment fees and expenses; Investment management Service code 19 | — | $23K |
| MACKAY SHIELDS LLC EIN 13-5582869 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $20K |
| UNI PRINTING SOLUTIONS LLC NONE | Direct payment from the plan; Participant communication Service code 38 | 42 READS WAY NEW CASTLE, DE 19720 | $20K |
| AMALGAMATED BANK OF NEW YORK EIN 13-4920330 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $19K |
| WASTE CONNECTIONS INC EIN 68-0400286 NONE | Other services; Direct payment from the plan Service code 49 | — | $18K |
| ARIANNA BRAUN ARCHITECTS PLLC EIN 26-1927905 NONE | Other services; Direct payment from the plan Service code 49 | — | $16K |
| LOOMIS SAYLES TRUST COMPANY EIN 20-8080381 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $14K |
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 | 5,664 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 832 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,496 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GROUP HEALTH INC | 362 | $7.2M |
| Dental | THE UNION LABOR LIFE INSURANCE COMPANY | 153 | $37K |
| Life insurance(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 864 | $471K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 864 | $400K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 864 | $471K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 864 | — |
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.