| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RUGGIERI CONSULTING GROUP LLC3 Filed as: RUGGIERI CONSULTING | 355 LEXINGTON AVENUE 22ND FLOOR NEW YORK, NY 10017 | AETNA LIFE INSURANCE CO. | $11K | $9 | $11K | 3.56% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | AETNA LIFE INSURANCE CO. | $6K | $0 | $6K | 1.99% |
| PHILIP RUGGIERI3 | 355 LEXINGTON AVE 22ND FL NEW YORK, NY 10017 | HARTFORD LIFE AND ACCIDENT | $8K | $0 | $8K | 5.97% |
| ROBERT D WOLF3 | 355 LEXINGTON AVE FL 22 NEW YORK, NY 10017 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 2.35% |
| ROBERT D WOLF3 Filed as: ROBERT D. WOLF III | 511 GRASSMERE AVE INTERLAKEN, NJ 07712 | UNION SECURITY INSURANCE COMPANY | $2K | $0 | $2K | 6.60% |
| ROBERT D WOLF3 Filed as: ROBERT D. WOLF | 355 LEXINGTON AVE 22ND FL NEW YORK, NY 10017 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $2K | $0 | $2K | 5.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE, INC. EIN 23-7391136 NONE | Other fees; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Other services Service code 12 | — | $659K |
| ROBERT D WOLF NONE | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | 355 LEXINGTON AVE 22ND FL NEW YORK, NY 10017 | $206K |
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 | 772 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 792 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,040 | $728K |
| Dental | AETNA LIFE INSURANCE CO. | 694 | $312K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 672 | $31K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 769 | $130K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 167 | $33K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 769 | $130K |
| Stop-loss / reinsurancereinsurance | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,040 | $728K |
| Other | HARTFORD LIFE AND ACCIDENT | 769 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,040 | — |
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."
No prospect flags tripped on this filing.