| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| QUANTUM FINANCIAL STRATEGIES3 | 100 S BEDFORD, STE 340 MT KISCO, NY 10549 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $93K | — | $93K | 2.12% |
| ACRISURE LLC3 Filed as: ACRISURE LLC/ MOUNT KRISCO, NY | 100 S BEDFORD, STE 340 MT KISCO, NY 10549 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $63K | — | $63K | 1.43% |
| QUANTUM FINANCIAL STRATEGIES3 | 118 N BEDFORD RD MOUNT KISCO, NY 10549 | AETNA LIFE INSURANCE COMPANY | $5K | — | $5K | 2.84% |
| QUANTUM FINANCIAL STRATEGIES3 | 118 N BEDFORD RD, STE 100 KISCO, NY 105492555 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 6.77% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA MADISON PARTNERS | 11 N BEDFORD RD STE 100 MOUNT KISCO, NY 10549 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CADARET GRANT & CO INC. EIN 22-2361254 INVESTMENT MANAGER | Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | 100 MADISON ST, SUITE 1300 SYRACUSE, NY 13202 | $145K |
| RAYMOND AQUILINO EIN 13-5616752 TRUSTEE | Direct payment from the plan; Employee (plan); Plan Administrator Service code 14 | 108-15 CROSS BAY BOULEVARD OZONE PARK, NY 11417 | $128K |
| NANCY MARTINEZ EIN 13-5616752 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 108-15 CROSS BAY BOULEVARD OZONE PARK, NY 11417 | $54K |
| HENRY J MCKAY EIN 13-5616752 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 108-15 CROSS BAY BOULEVARD OZONE PARK, NY 11417 | $46K |
| CYNOMYS INC EIN 82-2668930 ACTUARY | Actuarial; Direct payment from the plan Service code 11 | 16170 POPPY SEED CIR, UNIT 902 DELRAY BEACH, FL 33484 | $42K |
| KMR SYSTEMS CORPORATION EIN 13-3192128 COMPUTER CONSULTANT | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 6800 JERICHO TURNPIKE, SUITE 120W SYOSSET, NY 11791 | $42K |
| FUIMAN MOGILA LLP EIN 93-1652658 LEGAL SERVICES | Legal; Direct payment from the plan Service code 29 | 5 PENN PLAZA, 23RD FLOOR NEW YORK, NY 10001 | $31K |
| CITRIN COOPERMAN & COMPANY, LLP EIN 22-2428965 ACCOUNTANT | Accounting (including auditing); Direct payment from the plan Service code 10 | 88 FROEHLICH FARM BLVD, 3RD FLOOR WOODBURY, NY 11797 | $27K |
| CIGNA HEALTH INSURANCE COMPANY EIN 59-1031071 CLAIMS PROCESSOR | Other services; Participant communication; Claims processing; Direct payment from the plan; Contract Administrator; Named fiduciary Service code 12 | 900 COTTAGE GROVE ROAD HARTFORD, CT 06152 | $27K |
| LOCKTIGHT SOLUTIONS, INC. EIN 22-3825157 COMPUTER CONSULTANT | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 14 JASON WOODS RD. CLOSTER, NJ 07624 | $15K |
| D.D. SERVICES, INC. EIN 11-2705347 DENTAL SERVICES ADMIN | Employee (plan); Claims processing; Plan Administrator; Direct payment from the plan Service code 12 | 265 POST AVENUE WESTBURY, NY 11590 | $14K |
| T.S. BOOKKEEPING INC EIN 85-1222850 BOOKKEEPER | Accounting (including auditing); Direct payment from the plan Service code 10 | 1450 S. COOPER RD. CHANDLER, AZ 85286 | $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 | 422 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 422 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 1,195 | $4.5M |
| Prescription drug | CIGNA LIFE INSURANCE CO. OF NEW YORK | 634 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,195 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.