| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFF W. BERSTEIN3 | 1236 CHOCTAW PLACE BRONX, NY 10461 | RENAISSANCE LIFE & HEALTH INSURANCE CO OF NEW YORK | $5K | — | $5K | 6.46% |
| KATZ NASSAU AGENCY INC3 Filed as: KATZ NASSAU AGENCY | 100 MERRICK RS STE 108E ROCKVILLE CENTRE, NY 11570 | RENAISSANCE LIFE & HEALTH INSURANCE CO OF NEW YORK | $0 | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUFFOLK COUNTY COURT EMPLOYEES ASSN EIN 11-2504852 AFFILIATED UNION | Other services Service code 49 | — | $107K |
| ADMINISTRATIVE SERVICES ONLY, INC EIN 11-2995970 NONE | Contract Administrator; Claims processing Service code 12 | — | $44K |
| ARCHER, BYINGTON, GLENNON & LEVINE EIN 26-0873462 NONE | Legal Service code 29 | — | $24K |
| BERDON LLP EIN 13-0485070 NONE | Accounting (including auditing) Service code 10 | — | $23K |
| SEGAL COMPANY EIN 13-1835864 NONE | Actuarial Service code 11 | — | $20K |
| ATALANTA SOSNOFF EIN 20-0461050 NONE | Investment management Service code 28 | — | $15K |
| PENSION FUND EVALUATIONS EIN 11-2503982 NONE | Consulting (general) Service code 16 | — | $6K |
| SUMMIT ACTUARIAL SERVICE, INC EIN 20-3838633 NONE | Actuarial Service code 11 | — | $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 | 781 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 770 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,551 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RENAISSANCE LIFE & HEALTH INSURANCE CO OF NEW YORK | 810 | $76K |
| Other | RENAISSANCE LIFE & HEALTH INSURANCE CO OF NEW YORK | 810 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 810 | — |
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 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.