| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERNATIONAL BENEFITS ADMIN3 Filed as: INTERNATIONAL BENEFITS ADMIN. | 100 GARDEN CITY PLZ STE 110 GARDEN CITY, NY 11530 | FIRST SYMETRA NATIONAL LIFE INS CO OF NY | $17K | — | $17K | 5.00% |
| ENROLLEASE3 Filed as: JAEGER & FLYNN ASSOCIATES INC | — | GERBER LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTERNATIONAL BENEFITS ADMIN. EIN 11-3293162 NONE | Claims processing; Contract Administrator Service code 12 | — | $96K |
| JAEGER & FLYNN ASSOCIATES EIN 14-1747264 NONE | Insurance agents and brokers Service code 22 | — | $86K |
| TEAL, BECKER & CHIARAMONTE CPAS EIN 14-1624930 NONE | Accounting (including auditing) Service code 10 | — | $45K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 20-8764829 NONE | Direct payment from the plan; Other investment fees and expenses; Investment advisory (plan) Service code 27 | — | $45K |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Contract Administrator; Claims processing Service code 12 | — | $29K |
| JAMES M. SHEPPARD, CPA EIN 14-1753226 NONE | Accounting (including auditing) Service code 10 | — | $25K |
| DELTA DENTAL OF NEW YORK, INC. EIN 11-1980218 NONE | Claims processing Service code 12 | — | $17K |
| BPAS ACTUARIAL AND PENSION SERVICE EIN 30-0192194 NONE | Actuarial Service code 11 | — | $14K |
| POZEFSKY, BRAMLEY & MURPHY EIN 14-1601487 NONE | Legal Service code 29 | — | $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 | 274 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 155 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 263 | $86K |
| Short-term disability | THE UNION LABOR LIFE INSURANCE COMPANY | 263 | $86K |
| Prescription drug(3 contracts) | BLUESHIELD OF NORTHEASTERN NY | 5 | $34K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | FIRST SYMETRA NATIONAL LIFE INS CO OF NY | 303 | $369K |
| Other(4 contracts, 2 carriers) | THE UNION LABOR LIFE INSURANCE COMPANY | 263 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.