| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | — | HUMANA INSURANCE COMPANY OF NEW YORK | $70K | — | $70K | 8.52% |
| ACRISURE LLC3 | — | HUMANA INSURANCE COMPANY | $64K | — | $64K | 8.52% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | — | LINCOLN LIFE & ANNUITY CO OF NY | — | $83K | $83K | 15.17% |
| ACRISURE LLC3 | — | LINCOLN LIFE & ANNUITY CO OF NY | $7K | $55K | $62K | 11.28% |
| ACRISURE LLC3 | — | LINCOLN LIFE & ANNUITY CO OF NY | $6K | $32K | $38K | 8.70% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | — | LINCOLN LIFE & ANNUITY CO OF NY | — | $35K | $35K | 7.82% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | — | LINCOLN LIFE & ANNUITY CO OF NY | — | $28K | $28K | 15.01% |
| ACRISURE LLC3 | — | LINCOLN LIFE & ANNUITY CO OF NY | $4K | $19K | $23K | 12.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTHCHOICE ASSURANCE EIN 23-7391136 NONE | Other services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator Service code 12 | — | $1.4M |
| JMS ASSOCIATES EIN 93-3685712 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $348K |
| BRIAN SABBAGH EIN 13-5622663 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $243K |
| IAN Y. CHAN EIN 13-5622663 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $232K |
| JOHN J DELANEY JR EIN 13-5622663 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $211K |
| JIM DUFFICY EIN 13-5622663 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $195K |
| ELSIE E O'NEILL EIN 13-5622663 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $195K |
| THE SEGAL CO. (EASTERN STATES) INC. EIN 13-1835864 NONE | Direct payment from the plan; Consulting (general); Actuarial Service code 11 | — | $191K |
| LUCIA BAUKNIGHT EIN 13-5622663 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $179K |
| COLLERAN, O'HARA & MILLS LLP EIN 11-2940050 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $166K |
| VADIM PODOBREEV EIN 13-5622663 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $152K |
| WESTERN ASSET MANAGEMENT COMPANY EIN 52-1200960 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $152K |
| GO2UNION.COM LLC NONE | Direct payment from the plan; Consulting (general) Service code 16 | 2188 JERICHO TURNPIKE SUITE #2 GARDEN CITY PARK, NY 11040 | $150K |
| DOREEN STENNETT EIN 13-5622663 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $141K |
| GARRENT L LEUNG EIN 13-5622663 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $134K |
| KEVIN CUSH EIN 13-5622663 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $118K |
| LI CHAN EIN 13-5622663 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $117K |
| STEVEN N. DAVI, PLLC EIN 82-4935807 NONE | Legal; Direct payment from the plan Service code 29 | — | $98K |
| DORI MELFI EIN 13-5622663 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $96K |
| MAGNACARE ADMINISTRATIVE SERVICES, EIN 11-3410766 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $96K |
| SCHULTHEIS & PANETTIERI, LLP EIN 13-1577780 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $92K |
| DEDEN ZENUDIN EIN 13-5622663 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $92K |
| ORADBONE EIN 26-3547429 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $90K |
| MARY HOFFMAN EIN 13-5622663 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $90K |
| F/M INVESTMENTS, LLC EIN 93-4308588 INV MANAGER | Investment management fees paid directly by plan; Soft dollars commissions; Investment management Service code 28 | — | $86K |
| MICHAEL CANNALONGA EIN 13-5622663 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $71K |
| MUKESH KHEMANI EIN 13-5622663 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $69K |
| DAVID CHEUNG EIN 13-5622663 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $69K |
| ELEANOR WANG EIN 13-5622663 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $67K |
| PHONG NGO EIN 13-5622663 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $63K |
| MANNING & NAPIER EIN 45-3240790 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $63K |
| MORPHEON CORPORATION EIN 95-4744362 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $50K |
| MYLES CORRIGAN EIN 13-5622663 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $44K |
| JJ PIERSON EIN 37-1801501 NONE | Legal; Direct payment from the plan Service code 29 | — | $41K |
| CYBERSECOP NONE | Direct payment from the plan; Consulting (general) Service code 16 | 5 HILLANDALE AVE STE 203 STAMFORD, CT 06902 | $41K |
| BNY MELLON EIN 25-6078093 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $29K |
| MED REVIEW INC EIN 13-3420352 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $29K |
| CHARTWELL INVESTMENT PARTNERS EIN 36-4776242 NONE | Investment management; Soft dollars commissions; Investment management fees paid directly by plan Service code 28 | — | $26K |
| GRASSI & CO CPAS EIN 11-3266576 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $25K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 26-4310632 NONE | Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | — | $20K |
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 | 1,914 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,294 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY OF NEW YORK | 521 | $1.6M |
| Life insurance | LINCOLN LIFE & ANNUITY CO OF NY | 4,486 | $546K |
| Short-term disability | LINCOLN LIFE & ANNUITY CO OF NY | 1,695 | $442K |
| Other(3 contracts) | LINCOLN LIFE & ANNUITY CO OF NY | 4,486 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,486 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.