| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MSM GENERAL AGENCY INC3 | PO BOX 060470 STATEN ISLAND, NY 10306 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | — | $253K | $253K | 3.56% |
| MSM GENERAL AGENCY INC3 | PO BOX 060470 STATEN ISLAND, NY 10306 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | — | $29K | $29K | 4.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE BLUECROSS/BLUESHIELD CLAIMS PROCESSOR | Claims processing; Direct payment from the plan Service code 12 | 1 LIBERTY STREET NEW YORK, NY 10006 | $8.2M |
| NYHTC- HEALTH CENTER, INC. EIN 13-1595091 AFFILIATE OF PLAN | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $4.3M |
| UNITED HEALTHCARE, LLC EIN 47-0854646 CLAIMS PROCESSOR | Claims processing; Direct payment from the plan Service code 12 | — | $363K |
| AUTOMATIC DATA PROCESSING INC. EIN 13-3036745 PAYROLL PROCESSING | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $295K |
| KANE KESSLER, PC EIN 13-2672411 ATTORNEYS | Legal; Direct payment from the plan Service code 29 | — | $257K |
| PITTA & GIBLIN LLP EIN 26-3852082 ATTORNEYS | Legal; Direct payment from the plan Service code 29 | — | $225K |
| THE SEGAL COMPANY EIN 13-1835864 ACTUARY | Actuarial; Direct payment from the plan Service code 11 | — | $196K |
| NETWORK AND COMPANY EIN 13-2974874 COMPUTER MAINTENANCE | Direct payment from the plan; Consulting fees Service code 50 | 575 8TH AVE NEW YORK, NY 10018 | $182K |
| ARMAO LLP EIN 46-2754053 AUDITORS | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $156K |
| WINMILL SOFTWARE INC. EIN 52-2247044 SOFTWARE MAINTENANCE | Consulting fees; Direct payment from the plan Service code 50 | 420 LEXINGTON AVE, SUITE 455 NEW YORK, NY 10170 | $155K |
| RNK & ASSOCIATES EIN 26-2567636 AUDITORS | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $154K |
| MCKESSON HEALTH SOLUTIONS EIN 94-3207296 DATA PROCESSING | Direct payment from the plan; Consulting fees Service code 50 | — | $131K |
| MOMENTUM RESOURCE SOLUTION, LLC EIN 22-3615098 COMPUTER MAINTENANCE | Consulting fees; Direct payment from the plan Service code 50 | 1090 KING GEORGES POST ROAD EDISON, NJ 08837 | $98K |
| PITTA BISHOP DEL GIORNO & GIBLIN LL EIN 26-3867556 CONSULTANT | Direct payment from the plan; Consulting (general) Service code 16 | 120 BROADWAY, 28TH FLOOR NEW YORK, NY 10271 | $90K |
| JBI EIN 22-3538953 INSURANCE CONSULTANTS | Direct payment from the plan; Insurance services Service code 23 | — | $26K |
| NEW ENGLAND PENSION CONSULTANTS EIN 04-2927339 INVESTMENT ADVISORS | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $26K |
| IRON MOUNTAIN INTELLECTUAL STORAGE SERVICES | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | PO BOX 27131 NEW YORK, NY 10087 | $16K |
| OFFICE OF THE IMPARTIAL CHAIRPERSON EIN 13-1931878 ARBITRATORS | Direct payment from the plan; Legal Service code 29 | 321 WEST 44TH STREET, SUITE 400 NEW YORK, NY 10036 | $14K |
| ABBATE DEMARINIS CPAS EIN 20-4943540 AUDITORS | Direct payment from the plan; Accounting (including auditing) Service code 10 | 377 OAK STREET, SUITE 209 GARDEN CITY, NY 11530 | $9K |
| SAGE SOFTWARE COMPUTER MAINTENANCE | Direct payment from the plan; Consulting fees Service code 50 | 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 | $7K |
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 | 27,805 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,272 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 31,077 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 27,366 | $658K |
| Other | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 30,407 | $7.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 30,407 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.