| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDWARD JOSEPH CHICOSKI | 301 ALBANY TURNPIKE CANTON, CT 06019 | AETNA LIFE INSURANCE CO. | $16K | — | $16K | 1.08% |
| LAKESHORE BENEFIT GROUP INSURANCE3 Filed as: LAKESHORE BENEFIT GROUP INS BROKERA | 301 ALBANY TURNPIKE CANTON, CT 06019 | HARTFORD LIFE AND ACCIDENT | $820 | — | $820 | 1.00% |
| GREAT HARBOR INS SERVICES3 | 299 MARKET ST SUITE 145 SADDLE BROOK, NJ 07663 | HARTFORD LIFE AND ACCIDENT | $126 | — | $126 | 0.15% |
| EDWARD JOSEPH CHICOSKI3 | 301 ALBANY TURNPIKE CANTON, CT 06019 | HARTFORD LIFE AND ACCIDENT | $578 | — | $578 | 9.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BASIL CASTROVINCI ASSOCIATES, INC. EIN 13-2831500 NONE | Plan Administrator; Direct payment from the plan Service code 14 | 36 HOPATCHUNG RD HOPATCONG, NJ 07843 | $38K |
| MANNING RUSSO, LLC EIN 06-1478265 ATTORNEY | Legal; Direct payment from the plan Service code 29 | 65 PONDFIELD RD 10 BRONXVILLE, NY 10708 | $24K |
| MSPC, CPAS AND ADVISORS, P.C. EIN 22-2951202 UNION AUDITORS | Direct payment from the plan; Accounting (including auditing) Service code 10 | 546 FIFTH AVE 6TH FLOOR NEW YORK, NY 100365000 | $16K |
| GOULD, KOBRICK & SCHLAPP, P.C. EIN 13-3082707 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 192 LEXINGTON AVE FLOOR 7 NEW YORK, NY 10016 | $14K |
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 | 86 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 261 | $1.5M |
| Dental | AETNA LIFE INSURANCE CO. | 261 | $1.5M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 83 | $6K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 80 | $82K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 80 | $82K |
| Other | HARTFORD LIFE AND ACCIDENT | 80 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.