| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| QUANTUM FINANCIAL STRATEGIES3 | 118 NORTH BEDFORD ROAD SUITE 100 MT KISCO, NY 10549 | AMALGAMATED LIFE INSURANCE COMPANY | $545 | — | $545 | 7.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMALGAMATED EMPLOYEE BENEFITS ADMIN EIN 13-3432221 CLAIMS PROCESSING | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | 333 WESTCHESTER AVENUE WHITE PLAINS, NY 10604 | $222K |
| QUANTUM FINANCIAL STRATEGIES EIN 13-4017745 MEDICAL CONSULTING | Direct payment from the plan; Consulting (general) Service code 16 | 118 NORTH BEDFORD ROAD MOUNT KISCO, NY 10549 | $81K |
| PETER VAUPEL EIN 13-6179467 PRESIDENT | Direct payment from the plan; Plan Administrator Service code 14 | 629 FIFTH AVENUE PELHAM, NY 10803 | $62K |
| EDUARDO MELENDEZ EIN 13-6179467 SECRETARY/TREASURER | Direct payment from the plan; Employee (plan) Service code 30 | 629 FIFTH AVENUE PELHAM, NY 10803 | $33K |
| DONNA COLANTUONO EIN 13-6179467 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | 629 FIFTH AVENUE PELHAM, NY 10803 | $26K |
| WAGNER & ZWERMAN LLP EIN 11-2836481 ACCOUNTANT | Direct payment from the plan; Accounting (including auditing) Service code 10 | 201 OLD COUNTRY ROAD STE 202 MELVILLE, NY 117472731 | $25K |
| BARNES, IACCARINO & SHEPHERD LLP EIN 26-3858697 ATTORNEY | Legal; Direct payment from the plan Service code 29 | 3 SURREY LANE HEMPSTEAD, NY 11550 | $22K |
| CYNOMYS, INC. EIN 82-2668930 ACTUARIAL | Consulting (general); Actuarial; Direct payment from the plan Service code 11 | 16170 POPPY SEED CIRCLE UNIT 902 DELRAY BEACH, FL 33484 | $20K |
| CVS PHARMACY, INC. EIN 05-0340626 CLAIMS PROCESSING | Claims processing; Direct payment from the plan Service code 12 | 2215 SANDERS ROAD NBT-5 NORTHBROOK, IL 60062 | $10K |
| DAHAB ASSOCIATES, INC EIN 11-2783874 CUSTODIAN | Direct payment from the plan; Custodial (securities) Service code 19 | 423 SOUTH COUNTRY ROAD BAY SHORE, NY 11706 | $5K |
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 | 296 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 218 | $8K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 296 | $399K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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.