| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE CARE INTERNATIONAL3 Filed as: CORPORATE CARE INTERNATIONAL INC | 2975 WESTCHESTER AVENUE, SUITE 403 PURCHASE, NY 105772518 | UNITEDHEALTHCARE INSURANCE COMPANY | $171K | — | $171K | 0.84% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 340 MADISON AVE FL 21 NEW YORK, NY 101730401 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $125K | — | $125K | 1.75% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC | 45 EXECUTIVE DR PLAINVIEW, NY 11803 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$445 | — | -$445 | -0.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 340 MADISON AVE FL 21 NEW YORK, NY 101730401 | HOUSTON CASUALTY COMPANY | $302K | — | $302K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 340 MADISON AVE FL 21 NEW YORK, NY 101730401 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | $4K | $35K | 6.51% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC | 45 EXECUTIVE DR PLAINVIEW, NY 11803 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $2K | — | $2K | 6.89% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 340 MADISON AVE FL 21 NEW YORK, NY 101730401 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $3K | — | $3K | 14.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLINGTON TRUST COMPANY, N.A. EIN 04-2755549 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $593K |
| GALLIARD CAPITAL MANAGEMENT, INC. EIN 41-1813702 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $167K |
| PRINCIPAL CUSTODY SOLUTIONS EIN 41-6257133 NONE | Custodial (securities); Investment management fees paid directly by plan Service code 19 | PO BOX 10317 DES MOINES, IA 503060317 | $125K |
| STATE STREET BANK AND TRUST COMPANY NONE | Investment management fees paid directly by plan; Investment management Service code 28 | ONE LINCOLN STREET, 8TH FLOOR BOSTON, MA 02111 | $47K |
| CALOGERO & ASSOCIATES, LLC NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 4350 MIDDLE SETTLEMENT ROAD NEW HARTFORD, NY 13413 | $20K |
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 | 449 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,567 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 29 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,045 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 961 | $30.3M |
| Dental(3 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 961 | $9.0M |
| Vision(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,190 | $1.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 507 | $539K |
| Prescription drug(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 961 | $8.5M |
| Other(2 contracts, 2 carriers) | HOUSTON CASUALTY COMPANY | 507 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,190 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.