| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC/ MOUNT KISCO, NY | 100 SOUTH BEDFORD, SUITE 340 MOUNT KISCO, NY 10549 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $142K | — | $142K | 3.56% |
| QUANTUM FINANCIAL STRATEGIES3 Filed as: QUANTUM FINANCIAL STRATEGIES, INC. | 100 SOUTH BEDFORD, SUITE 340 MOUNT KISCO, NY 10549 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 0.03% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA MADISON PARTNERS | 118 NORTH BEDFORD ROAD, SUITE 100 MOUNT KISCO, NY 105492555 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $26 | $15K | 12.37% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD. | 12006 RIDGEMONT DRIVE URBANDALE, IA 503232317 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 3.68% |
| QUANTUM FINANCIAL STRATEGIES3 Filed as: QUANTUM FINANCIAL STRATEGIES, INC. | 118 NORTH BEDFORD ROAD, SUITE 100 MOUNT KISCO, NY 105492555 | METROPOLITAN LIFE INSURANCE COMPANY | $264 | — | $264 | 0.21% |
| ACRISURE LLC3 Filed as: ACRISURE LLC, DBA MADISON PARTNERS | 118 NORTH BEDFORD ROAD, SUITE 100 MOUNT KISCO, NY 105492555 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $26 | $5K | 7.46% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD. | 12006 RIDGEMONT DRIVE URBANDALE, IA 503232317 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 3.72% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CADARET GRANT & CO., INC. EIN 22-2361254 INVESTMENT MANAGER | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | 100 MADISON STREET, SUITE 1300 SYRACUSE, NY 13202 | $167K |
| 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 | $135K |
| NANCY MARTINEZ EIN 13-5616752 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | 108-15 CROSS BAY BOULEVARD OZONE PARK, NY 11417 | $58K |
| HENRY J. MCKAY EIN 13-5616752 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | 108-15 CROSS BAY BOULEVARD OZONE PARK, NY 11417 | $49K |
| CYNOMYS, INC. EIN 82-2668930 ACTUARY | Actuarial; Direct payment from the plan Service code 11 | 16170 POPPYSEED CIRC., UNIT 903 DELRAY BEACH, FL 33484 | $42K |
| KMR SYSTEMS CORPORATION EIN 13-3192128 COMPUTER CONSULTANT | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 6800 JERICHO TURNPIKE, SUITE 120W SYOSSET, NY 11791 | $42K |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 CLAIMS PROCESSOR | Claims processing; Contract Administrator; Participant communication; Other services; Real estate brokerage; Direct payment from the plan Service code 12 | COTTAGE GROVE ROAD HARTFORD, CT 06152 | $38K |
| 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 | $26K |
| CITRIN COOPERMAN & COMPANY, LLP EIN 22-2428965 ACCOUNTANT | Direct payment from the plan; Accounting (including auditing) Service code 10 | 100 JERICHO QUADRANGLE, SUITE 342 JERICHO, NY 11753 | $24K |
| D.D. SERVICES, INC. EIN 11-2705347 DENTAL SERVICES ADMIN | Employee (plan); Plan Administrator; Claims processing; Direct payment from the plan Service code 12 | 265 POST AVENUE, SUITE 340 WESTBURY, NY 11590 | $13K |
| T.S. BOOKKEEPING SERVICES, INC. EIN 85-1222850 BOOKKEEPER | Accounting (including auditing); Direct payment from the plan Service code 10 | 1450 SOUTH COOPER ROAD, APT 2078 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 | 434 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 434 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 1,268 | $4.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 445 | $123K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 445 | $123K |
| Prescription drug | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 667 | $4.0M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 445 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,268 | — |
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.
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.