| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREMIER BENEFIT PLANS INC3 | 35 PINELAWN ROAD SUITE 208 EAST MELVILLE, NY 117473185 | METROPOLITAN LIFE INSURANCE COMPANY | — | $142 | $142 | 0.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MILA MANAGED HEALTH CARE EIN 13-3968546 OTHER SERVICES | Other services Service code 49 | 55 BROADWAY 27TH FLOOR NEW YORK, NY 100061901 | $4.9M |
| MET LIFE EIN 13-5581829 INSURANCE | Insurance services Service code 23 | MELLON BANK DEPT CH 10579 CHICAGO, IL 60055 | $3.8M |
| THOMAS OMIATEK EIN 13-5638505 EMPLOYEE | Employee (plan) Service code 30 | 10 EXCHANGE PLACE - SUITE 1400 JERSEY CITY, NJ 07302 | $270K |
| JENNIFER FREEDBERG-BERKOFF EIN 13-5638505 EMPLOYEE | Employee (plan) Service code 30 | 10 EXCHANGE PLACE - SUITE 1400 JERSEY CITY, NJ 07302 | $221K |
| JACQUELINE SCARPARI EIN 13-5638505 EMPLOYEE | Employee (plan) Service code 30 | 10 EXCHANGE PLACE - SUITE 1400 JERSEY CITY, NJ 07302 | $185K |
| ROBERT FIORE EIN 13-5638505 EMPLOYEE | Employee (plan) Service code 30 | 10 EXCHANGE PLACE - SUITE 1400 JERSEY CITY, NJ 07302 | $173K |
| MAGGIE CHAN EIN 13-5638505 EMPLOYEE | Employee (plan) Service code 30 | 10 EXCHANGE PLACE - SUITE 1400 JERSEY CITY, NJ 07302 | $119K |
| THE LAMBOS FIRM LLP EIN 13-3864093 NYSA COUNSEL | Legal Service code 29 | 303 SOUTH BROADWAY SUITE 410 TARRYTOWN, NY 10591 | $115K |
| ELYSE LEVINE EIN 13-5638505 EMPLOYEE | Employee (plan) Service code 30 | 10 EXCHANGE PLACE - SUITE 1400 JERSEY CITY, NJ 07302 | $106K |
| BRENDA DANIELS EIN 13-5638505 EMPLOYEE | Employee (plan) Service code 30 | 10 EXCHANGE PLACE - SUITE 1400 JERSEY CITY, NJ 07302 | $99K |
| BILLIE JEAN EASLEY EIN 13-5638505 EMPLOYEE | Employee (plan) Service code 30 | 10 EXCHANGE PLACE - SUITE 1400 JERSEY CITY, NJ 07302 | $96K |
| MAZZOLA MARDON, P.C. EIN 13-3303633 ILA COUNSEL | Legal Service code 29 | 26 BROADWAY 17TH FLOOR NEW YORK, NY 10004 | $91K |
| PEARLINE BENNETT EIN 13-5638505 EMPLOYEE | Employee (plan) Service code 30 | 10 EXCHANGE PLACE - SUITE 1400 JERSEY CITY, NJ 07302 | $81K |
| PREMIER BENEFIT PLANS, INC. EIN 11-3293819 INSURANCE CONSULTANT | Insurance services Service code 23 | 35 PINELAWN ROAD SUITE 208 EAST MELVILLE, NY 11747 | $74K |
| MEGAN CALLAGHAN EIN 13-5638505 EMPLOYEE | Employee (plan) Service code 30 | 10 EXCHANGE PLACE - SUITE 1400 JERSEY CITY, NJ 07302 | $60K |
| DESENA & CO. CPAS, LLC EIN 20-0609534 AUDITOR | Accounting (including auditing) Service code 10 | 100 EAGLE ROCK AVENUE SUITE 110 EAST HANOVER, NJ 07936 | $37K |
| THE LOOMIS COMPANY EIN 23-2238132 THIRD PARTY ADMINISTRATOR | Other services Service code 49 | PO BOX 14132 READING, PA 19612 | $35K |
| THE SEGAL COMPANY EIN 13-1835864 ACTUARY | Actuarial Service code 11 | PO BOX 4058 CHURCH STREET STATION NEW YORK, NY 10261 | $32K |
| ADP, INC. EIN 22-3006057 PAYROLL | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | PO BOX 9001006 LEXINGTON, KY 402901006 | $23K |
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 | 3,713 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,346 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 8,059 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 15,188 | $3.5M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 4,153 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,188 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.