| 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 | $32K | — | $32K | 5.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NYHTC HEALTH CENTER, INC. EIN 13-1595091 RELATED ENTITY | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 305 WEST 44TH STREET NEW YORK, NY 10036 | $15.6M |
| EMPIRE BLUECROSS/BLUESHIELD EIN 23-7391136 CLAIMS PROCESSOR | Investment management fees paid directly by plan; Float revenue; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator Service code 12 | 1 LIBERTY STREET NEW YORK, NY 10006 | $8.5M |
| HACELS LLC LANDLORD | Direct payment from the plan; Other services Service code 49 | 709 EIGHTH AVENUE NEW YORK, NY 10016 | $576K |
| 14 SO WILLIAMSPORT HOLDINGS LLC RENT | Direct payment from the plan; Other fees Service code 50 | 14 PENN PLAZA NEW YORK, NY 10122 | $545K |
| CONNECT YOUR CARE CLAIMS PROCESSOR | Direct payment from the plan; Claims processing Service code 12 | 307 INTERNATIONAL CIRCLE COCKEYSVILLE, MD 21030 | $536K |
| PITTA LLP EIN 26-3852082 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $444K |
| MSPC CPAS & ADVISORS EIN 22-2951202 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $226K |
| CDW DIRECT LLC COMPUTER SERVICES | Direct payment from the plan; Other services Service code 49 | 5550 S MACADAM AVENUE, SUITE 320 PORTLAND, OR 97239 | $218K |
| ELLENOFF GROSSMAN & SCHOLE LLP ATTORNEY | Legal; Direct payment from the plan Service code 29 | 1345 SIXTH AVENUE NEW YORK, NY 10105 | $202K |
| THE SEGAL COMPANY EIN 13-1835864 ACTUARY | Actuarial; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 11 | — | $195K |
| RNK & ASSOCIATES EIN 26-2567636 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $104K |
| MORGAN STANLEY INVESTMENT ADVISOR | Direct payment from the plan; Investment advisory (plan) Service code 27 | 1300 THAMES STREET WHARF BALTIMORE, MD 212319907 | $104K |
| DE LAGE LANDEN FINANCIAL SERVICES COMPUTER SERVICES | Other services; Direct payment from the plan Service code 49 | 1111 OLD EAGLE SCHOOL ROAD WAYNE, PA 19087 | $103K |
| BLACKROCK ADVISOR INVESTMENT MANAGER | Investment management fees paid directly by plan; Investment management Service code 28 | 100 BELLEVUE PARKWAY WILMINGTON, DE 19809 | $75K |
| 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 | $57K |
| KANE KESSLER, PC EIN 13-2672411 ATTORNEY | Direct payment from the plan; Legal Service code 29 | — | $52K |
| PSYCHPROS INC RECRUITER | Other services; Direct payment from the plan Service code 49 | 2404 AUBURN AVE CINCINNATI, OH 45219 | $43K |
| BMS CAPITAL PARTNERS CONSULTING | Direct payment from the plan; Consulting (pension) Service code 17 | 757 3RD AVENUE , 22ND FLOOR NEW YORK, NY 10017 | $39K |
| ICA RISK MANAGEMENT CONSULTANTS CONSULTING | Consulting (pension); Direct payment from the plan Service code 17 | 960 MACARTHUR BLVD MAHWAH, NJ 07430 | $36K |
| WHITESTAR ADVISORS LLC CONSULTING | Consulting (pension); Direct payment from the plan Service code 17 | 902 CLINT MOORE ROAD, 104 BOCA RATON, FL 33487 | $29K |
| AUTOMATIC DATA PROCESSING INC. EIN 13-3036745 PAYROLL PROCESSOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $26K |
| TANDYM GROUP LLC RECRUITER | Other services; Direct payment from the plan Service code 49 | 1500 MCCONNOR PARKWAY, SUITE 425 SCHAUMBURG, IL 60173 | $24K |
| NASDAQ CORPORATE SOLUTIONS LLC COMPUTER SERVICES | Direct payment from the plan; Other services Service code 49 | 11 FARNSWORTH ST BOSTON, MA 02210 | $19K |
| 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 | $17K |
| OFFICE OF THE IMPARTIAL CHAIRPERSON EIN 13-1931878 ARBITRATOR | Legal; Direct payment from the plan Service code 29 | 321 WEST 44TH STREET, SUITE 400 NEW YORK, NY 10036 | $17K |
| CHANGE HEALTHCARE EIN 81-3611560 DATA PROCESSOR | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting fees Service code 15 | PO BOX 403421 ATLANTA, GA 30384 | $13K |
| PHILIPS, RICHARD & RIND, PA ATTORNEY | Legal; Direct payment from the plan Service code 29 | 9360 SW 72ND STREET, 283 MIAMI, FL 33173 | $11K |
| DELL MARKETING L.P. COMPUTER SERVICES | Direct payment from the plan; Other services Service code 49 | 1 DELL WAY ROUND ROCK, TX 786827000 | $10K |
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 | 23,536 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 23,536 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 24,516 | $643K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,516 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.