| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | HARTFORD LIFE AND ACCIDENT | $25K | $14K | $38K | 23.27% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | HARTFORD LIFE AND ACCIDENT | $19K | $0 | $19K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PROSKAUER ROSE, LLP EIN 13-1840454 ATT'Y FOR EMPLOYER ASSN. | Legal Service code 29 | — | $89K |
| BUCHBINDER TUNICK & CO LLP EIN 13-1578842 NONE | Accounting (including auditing) Service code 10 | — | $35K |
| JOHN DANIEL ASSOS NYS LIC INS AGENT EIN 23-3352367 REL TO PLAN ADMINISTRATOR | Insurance agents and brokers Service code 22 | — | $31K |
| MIGDALIA CARRION EIN 13-5668118 NONE | Employee (plan) Service code 30 | — | $20K |
| MORGAN STANLEY NONE | Investment management; Custodial (securities) Service code 19 | 4 LANDMARK SQUARE, SUITE 230 STAMFORD, CT 06901 | $6K |
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 | 432 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 432 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 432 | $164K |
| Other(2 contracts) | HARTFORD LIFE AND ACCIDENT | 432 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 432 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.