| 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 COMPANY | $12K | — | $12K | 6.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MANNING & NAPIER EIN 16-0995736 INVESTMENT MANAGER | Investment management Service code 28 | — | $96K |
| LEEANN MURPHY EIN 16-0841426 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $81K |
| DEANNA WRAZEN EIN 16-0841426 EMPLOYEE | Employee (plan) Service code 30 | — | $62K |
| JODENE BLAKE EIN 16-0841426 EMPLOYEE | Employee (plan) Service code 30 | — | $59K |
| BONADIO & CO. EIN 16-1131146 ACCOUNTANT | Accounting (including auditing) Service code 10 | — | $39K |
| BLITMAN & KING, LLP EIN 16-1047304 ATTORNEY | Legal Service code 29 | — | $29K |
| O'SULLIVAN ASSOCIATES EIN 22-1837827 ACTUARY | Actuarial Service code 11 | — | $24K |
| LORI SHERK EIN 16-0841426 EMPLOYEE | Employee (plan) Service code 30 | — | $21K |
| AMY YARNES EIN 16-0841426 EMPLOYEE | Employee (plan) Service code 30 | — | $20K |
| KRISTI CIALONE EIN 16-0841426 EMPLOYEE | Employee (plan) Service code 30 | — | $20K |
| JBM COMPUTER CONSULTANTS EIN 16-1173118 CONSULTANT | Consulting (general) Service code 16 | — | $13K |
| M&T INVESTMENT GROUP EIN 16-0538020 INVESTMENT CUSTODIAN | Custodial (securities) Service code 19 | — | $11K |
| SEGAL MARCO ADVISORS EIN 13-2646110 INVESTMENT ADVISORY | Investment advisory (plan) Service code 27 | — | $11K |
| PCA TECHNOLOGY GROUP EIN 26-0022778 CONSULTANT | Consulting (general) Service code 16 | — | $6K |
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 | 804 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 147 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 961 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 24 | $926 |
| Vision | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 24 | $926 |
| Life insurance | FIRST RELIANCE STANDARD LIFE COMPANY | 749 | $202K |
| Prescription drug(3 contracts) | HIGHMARK WESTERN NEW YORK | 20 | $0 |
| Other | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 1,026 | $6.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,026 | — |
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.