| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOM DUSI3 | 101 12 95 STREET OZONE PARK, NY 11416 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $38K | — | $38K | 1.82% |
| ARK BENEFITS, INC.3 Filed as: ARK ADVISORS INC | 3004 AVENUE L BROOKLYN, NY 11210 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $27K | — | $27K | 1.26% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL S | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $26K | $26K | 1.22% |
| SHALOM STERN3 | 3004 AVE L BROOKLYN, NY 11210 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $12K | — | $12K | 0.56% |
| SHALOM STERN3 | 3004 AVE L BROOKLYN, NY 11210 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $596 | — | $596 | 5.42% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL S | 21650 OXNARD STREET STE 200 WOODLAND HILLS, CA 91367 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | — | $596 | $596 | 5.42% |
| TOM DUSI3 | 101 12 95 STREET OZONE PARK, NY 11416 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $549 | — | $549 | 4.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SCHULTHEIS & PANETTIERI, LLP EIN 13-1577780 ACCOUNTANT | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $67K |
| DANIEL H. COOK ASSOCIATES, INC EIN 11-2424843 CONTRACT ADMIN | Contract Administrator; Direct payment from the plan Service code 13 | — | $65K |
| COLLERAN, O'HARA & MILLS, LLP EIN 11-2940050 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $29K |
| WELBY, BRADY & GREENBLATT, LLP EIN 13-3864481 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $27K |
| THE SEGAL CO. (EASTERN STATES), INC EIN 13-1835864 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $24K |
| WELLS FARGO ADVISORS, LLC EIN 34-1542819 NONE | Float revenue; Investment advisory (plan); Investment management fees paid indirectly by plan; Investment management fees paid directly by plan; Custodial (securities); Distribution (12b-1) fees Service code 19 | — | $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 | 221 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 120 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 133 | $2.1M |
| Life insurance(2 contracts, 2 carriers) | THE UNION LABOR LIFE INSURANCE COMPANY | 240 | $38K |
| Short-term disability | THE UNION LABOR LIFE INSURANCE COMPANY | 240 | $27K |
| Other(2 contracts) | THE UNION LABOR LIFE INSURANCE COMPANY | 240 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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."
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.