| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WHITMORE GROUP LTD3 Filed as: THE WHITMORE GROUP LTD | 370 OLD COUNTRY RD STE 200 GARDEN CITY, NY 11530 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | — | $5K | 5.55% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CROSSROADS HEALTHCARE MGT. LLC EIN 74-3064316 NONE | Other services; Claims processing; Direct payment from the plan Service code 12 | — | $3.2M |
| PROSCRIPT PHARMACY MANAGEMENT LLC EIN 20-1381813 NONE | Direct payment from the plan; Other services Service code 49 | — | $1.0M |
| MAGNACARE EIN 13-3410766 NONE | Other services; Direct payment from the plan Service code 49 | — | $226K |
| CARY KANE LLP EIN 20-1942442 NONE | Legal; Direct payment from the plan Service code 29 | — | $113K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $89K |
| JAMES ROMANO EIN 13-6162404 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $86K |
| JAMES GREEN EIN 11-2591565 NONE | Legal; Direct payment from the plan Service code 29 | — | $84K |
| SIGNATURE SECURITIES GROUP EIN 13-4120476 NONE | Investment management; Other fees; Investment management fees paid directly by plan; Direct payment from the plan Service code 28 | — | $78K |
| JAMES SCARPATI EIN 13-6162404 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $76K |
| SDBWU LOCAL 812, IBT EIN 13-5045803 AFFILIATED UNION | Direct payment from the plan; Other fees Service code 50 | — | $57K |
| JENNA TARPINIAN EIN 13-6162404 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $50K |
| SAXBST, LLP EIN 46-4001827 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $49K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $45K |
| SELE-DENT, INC. EIN 11-3310187 NONE | Other services; Direct payment from the plan Service code 49 | — | $39K |
| ANDRE GONZALES EIN 59-3671236 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $12K |
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 | 3,682 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 591 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 3,644 | $782K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,041 | $88K |
| Stop-loss / reinsurancereinsurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 3,552 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,644 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.