| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 350 FIFTH AVENUE STE 3700 NEW YORK, NY 10018 | HARTFORD LIFE AND ACCIDENT | $222K | — | $222K | 25.00% |
| ACRISURE LLC3 | 6307 84TH ST SE CALEDONIA, MI 49316 | HARTFORD LIFE AND ACCIDENT | — | $5K | $5K | 0.53% |
| EMERSON REID LLC3 | 350 FIFTH AVENUE STE 3700 NEW YORK, NY 10018 | HARTFORD LIFE AND ACCIDENT | $79K | $30K | $109K | 17.91% |
| ACRISURE LLC3 | 40 CORPORATE AVE PLAINVILLE, CT 06062 | HARTFORD LIFE AND ACCIDENT | $32K | — | $32K | 5.31% |
| ACRISURE LLC3 | 120 EAGLE ROCK AVE STE 195 EAST HANOVER, NJ 07936 | HARTFORD LIFE AND ACCIDENT | $11K | — | $11K | 1.78% |
| ACRISURE LLC3 | 6307 84TH ST SE CALEDONIA, MI 49316 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 0.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JMS ASSOCIATES EIN 82-3287696 NONE | Accounting (including auditing) Service code 10 | 89 JOSEPH AVENUE STATEN ISLAND, NY 10304 | $288K |
| BRIAN SABBAGH EIN 98-9999999 EMPLOYEE | Employee (plan) Service code 30 | — | $211K |
| WESTERN ASSET MANAGEMENT CO EIN 98-9999999 NONE | Investment management Service code 28 | — | $179K |
| JOHN J DELANEY JR EIN 11-2684289 EMPLOYEE | Employee (plan) Service code 30 | — | $174K |
| ELSIE E O'NEILL EIN 15-5309418 EMPLOYEE | Employee (plan) Service code 30 | — | $169K |
| JIM DUFFICY EIN 13-5622663 EMPLOYEE | Employee (plan) Service code 30 | — | $161K |
| HELENE SCHWARTZ EIN 13-5622663 EMPLOYEE | Employee (plan) Service code 30 | — | $155K |
| LUCIA D. BAUKNIGHT EIN 13-5622663 EMPLOYEE | Employee (plan) Service code 30 | — | $155K |
| IAN Y. CHAN EIN 13-5622663 EMPLOYEE | Employee (plan) Service code 30 | — | $153K |
| COLLERAN, O'HARA & MILLS EIN 11-2940050 NONE | Legal Service code 29 | 100 CROSSWAYS PARK DR W 200 WOODBURY, NY 11797 | $151K |
| MARTIN E SEGAL & CO. EIN 13-1835864 NONE | Actuarial Service code 11 | 333 WEST 34TH ST NEW YORK, NY 10001 | $151K |
| DOREEN STENNETT EIN 06-1608291 EMPLOYEE | Employee (plan) Service code 30 | — | $132K |
| GARRENT L LEUNG EIN 12-7643463 EMPLOYEE | Employee (plan) Service code 30 | — | $111K |
| LORI DALTON EIN 13-5622663 EMPLOYEE | Employee (plan) Service code 30 | — | $96K |
| KEVIN CUSH EIN 98-9999999 EMPLOYEE | Employee (plan) Service code 30 | — | $93K |
| ZIEGLER CAPITAL MANAGEMENT EIN 98-9999999 NONE | Investment management Service code 28 | — | $88K |
| LI CHAN EIN 13-5622663 EMPLOYEE | Employee (plan) Service code 30 | — | $83K |
| DORI MELFI EIN 98-9999999 EMPLOYEE | Employee (plan) Service code 30 | — | $78K |
| DEDEN ZAENUDIN EIN 98-9999999 EMPLOYEE | Employee (plan) Service code 30 | — | $77K |
| MICHAEL CANNALONGA EIN 13-5622663 EMPLOYEE | Employee (plan) Service code 30 | — | $73K |
| MARY HOFFMAN EIN 98-9999999 EMPLOYEE | Employee (plan) Service code 30 | — | $63K |
| DAVID CHEUNG EIN 98-9999999 EMPLOYEE | Employee (plan) Service code 30 | — | $60K |
| MUKESH KHEMANI EIN 98-9999999 EMPLOYEE | Employee (plan) Service code 30 | — | $60K |
| GRASSI & CO CPAS EIN 11-3266576 NONE | Accounting (including auditing) Service code 10 | 50 JERICHO QUADRANGLE, SUITE 200 JERICHO, NY 11753 | $58K |
| MANNING & NAPIER EIN 98-9999999 NONE | Investment advisory (plan) Service code 27 | — | $56K |
| PHONG NGO EIN 58-6120195 EMPLOYEE | Employee (plan) Service code 30 | — | $50K |
| STEVEN N DAVI NONE | Legal Service code 29 | 211 EAST 43TH ST NEW YORK, NY 10017 | $41K |
| ELIZABETH RILEY EIN 13-5622663 EMPLOYEE | Employee (plan) Service code 30 | — | $41K |
| JJ PIERSON EIN 22-3161519 NONE | Legal Service code 29 | 51 JFK PARKWAY FIRST FL WEST SHORT HILLS, NJ 07078 | $30K |
| CHARTWELL INVESTMENT PARTNERS, LLC EIN 98-9999999 NONE | Investment management Service code 28 | — | $28K |
| MORGAN STANLEY SMITH BARNEY EIN 98-9999999 NONE | Custodial (securities) Service code 19 | — | $12K |
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 | 2,194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 950 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,012 | $609K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 3,012 | $609K |
| Other(2 contracts) | HARTFORD LIFE AND ACCIDENT | 3,012 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,012 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.