| 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 | — | $244K | $244K | 3.68% |
| MSM GENERAL AGENCY INC3 | PO BOX 060470 STATEN ISLAND, NY 10306 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | — | $32K | $32K | 4.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NYHTC - HEALTH CENTER, INC. EIN 13-1595091 RELATED FUND | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $12.4M |
| EMPIRE BLUECROSS/BLUESHIELD EIN 23-7391136 CLAIMS PROCESSOR | Other services; Claims processing; Contract Administrator; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 1 LIBERTY STREET NEW YORK, NY 10006 | $5.9M |
| HACELS LLC LANDLORD | Other fees; Direct payment from the plan Service code 50 | 709 EIGHTH AVENUE NEW YORK, NY 10016 | $1.1M |
| PITTA LLP EIN 26-3852082 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $261K |
| KANE KESSLER, PC EIN 13-2672411 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $251K |
| THE SEGAL COMPANY EIN 13-1835864 ACTUARY | Actuarial; Direct payment from the plan Service code 11 | — | $220K |
| ARMAO LLP EIN 46-2754053 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $163K |
| RNK & ASSOCIATES EIN 26-2567636 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $135K |
| MCKESSON HEALTH SOLUTIONS DATA PROCESSOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting fees; Direct payment from the plan Service code 15 | 6555 STATE HIGHWAY 161 IRVING, TX 75039 | $95K |
| MSPC CPAS & ADVISORS EIN 22-2951202 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $65K |
| NEW ENGLAND PENSION CONSULTANTS EIN 04-2927339 INVESTMENT ADVISOR | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $31K |
| NYHTC - PENSION FUND EIN 13-1764242 RELATED FUND | Direct payment from the plan Service code 50 | — | $31K |
| JBI EIN 22-3538953 INSURANCE CONSULTANT | Insurance services; Direct payment from the plan Service code 23 | — | $30K |
| OFFICE OF THE IMPARTIAL CHAIRPERSON EIN 13-1931878 ARBITRATOR | Direct payment from the plan; Legal Service code 29 | 321 WEST 44TH STREET, SUITE 400 NEW YORK, NY 10036 | $22K |
| AUTOMATIC DATA PROCESSING INC. EIN 13-3036745 PAYROLL PROCESSOR | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $21K |
| 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 | $15K |
| ABBATE DEMARINIS CPAS EIN 20-4943540 ACCOUNTANT | Accounting (including auditing); Direct payment from the plan Service code 10 | 377 OAK STREET, SUITE 209 GARDEN CITY, NY 11530 | $9K |
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 | 31,266 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 31,266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 25,967 | $652K |
| Other | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 28,852 | $6.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28,852 | — |
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.