| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT BERGMAN3 Filed as: ROBERT A BERGMAN | 11 S ADAMS AVE, UNIT 1 MARGATE CITY, NJ 08402 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | — | $14K | 6.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MANNING & NAPIER EIN 45-3240790 NONE | Investment management Service code 28 | — | $217K |
| LEEANN MURPHY EIN 16-0841426 EMPLOYEE | Employee (plan) Service code 30 | — | $171K |
| DEANNA WRAZEN EIN 16-0841426 EMPLOYEE | Employee (plan) Service code 30 | — | $106K |
| JODENE BLAKE EIN 16-0841426 EMPLOYEE | Employee (plan) Service code 30 | — | $104K |
| MORGAN SIUDZINSKI EIN 16-0841426 EMPLOYEE | Employee (plan) Service code 30 | — | $103K |
| HANNAH SNYDER EIN 16-0841426 EMPLOYEE | Employee (plan) Service code 30 | — | $97K |
| ARCARA, LENDA, EUSANIO & STACEY EIN 47-1793720 NONE | Accounting (including auditing) Service code 10 | — | $38K |
| BLITMAN & KING LLP EIN 16-1047304 NONE | Legal Service code 29 | — | $31K |
| O'SULLIVAN & ASSOCIATES EIN 20-8199367 NONE | Actuarial Service code 11 | — | $25K |
| JBM COMPUTER CONSULTANTS EIN 16-1173118 NONE | Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $18K |
| WILMINGTON TRUST, NA EIN 16-1486454 NONE | Custodial (securities) Service code 19 | — | $16K |
| SEGAL MARCO ADVISORS EIN 13-2646110 NONE | Investment advisory (plan) Service code 27 | — | $16K |
| M&T BANK CORPORATION EIN 16-0968385 NONE | Custodial (other than securities); Trustee (bank, trust company, or similar financial institution) Service code 18 | — | $9K |
| NETRIO EIN 26-0022778 NONE | Consulting (general) Service code 16 | — | $7K |
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 | 906 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 168 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,074 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HIGHMARK WESTERN & NORTHEASTERN NEW YORK INC. | 31 | $0 |
| Vision | HIGHMARK WESTERN & NORTHEASTERN NEW YORK INC. | 31 | $0 |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 835 | $241K |
| Prescription drug(2 contracts) | HIGHMARK WESTERN & NORTHEASTERN NEW YORK INC. | 1,069 | $6.0M |
| Other | HIGHMARK WESTERN & NORTHEASTERN NEW YORK INC. | 1,069 | $6.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,069 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.