| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RYANN J. MCCARTHY3 | 25 GRIFFIN AVE BEDFORD HILLS, NY 10507 | EMBLEMHEALTH | $293K | — | $293K | 3.00% |
| BENEFIT TECHNOLOGY GROUP, INC.3 | P.O. BOX 513 RIDGE, NY 11961 | AETNA INC. | — | $2K | $2K | 3.33% |
| ARIA INSURANCE BROKERAGE INC | 371 MERRICK RD, SUITE 403 ROCKVILLE CENTRE, NY 11570 | AMALGAMATED LIFE INSURANCE COMPANY | $732 | — | $732 | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LAURIE GRECO EIN 20-3244794 EMPLOYEE | Contract Administrator Service code 13 | 1065 OLD COUNTRY RD WESTBURY, NY 11590 | $148K |
| JACQUELINE ELSNER EIN 20-3244794 EMPLOYEE | Trustee (discretionary) Service code 24 | 1065 OLD COUNTRY RD WESTBURY, NY 11590 | $55K |
| CLAUDIA MARQUEZ EIN 20-3244794 EMPLOYEE | Trustee (discretionary) Service code 24 | 1065 OLD COUNTRY RD WESTBURY, NY 11590 | $52K |
| BRYAN MCCARTHY, ESQ EIN 06-2408495 LAWYER | Insurance agents and brokers Service code 22 | 1454 ROUTE 22 SUITE B101 BREWSTER, NY 10509 | $48K |
| JACKI MITCHELL EIN 20-3244794 EMPLOYEE | Trustee (discretionary) Service code 24 | 1065 OLD COUNTRY RD WESTBURY, NY 11590 | $38K |
| MARCIA SALOMON EIN 20-3244794 EMPLOYEE | Trustee (discretionary) Service code 24 | 1065 OLD COUNTRY RD WESTBURY, NY 11590 | $29K |
| LAWRENCE S. FISCHER, CPA EIN 52-2326815 ACCOUNTANT | Accounting (including auditing) Service code 10 | 92 DOSORIS LANE GLEN COVE, NY 11542 | $26K |
| LINDA MAUGERI EIN 20-3244794 EMPLOYEE | Trustee (discretionary) Service code 24 | 1065 OLD COUNTRY RD WESTBURY, NY 11590 | $25K |
| CATHY VASILE EIN 20-3244794 EMPLOYEE | Trustee (discretionary) Service code 24 | 1065 OLD COUNTRY RD WESTBURY, NY 11590 | $20K |
| ANGELA MCCABE EIN 20-3244794 EMPLOYEE | Trustee (discretionary) Service code 24 | 1065 OLD COUNTRY RD WESTBURY, NY 11590 | $16K |
| SUMMIT ACTUARIAL SERVICES EIN 11-4385930 ACTUARY | Actuarial Service code 11 | 123 PREAKNESS DR. MT. LAUREL, NJ 08054 | $15K |
| ANDREW FAIR, ESQ. EIN 20-3322400 TRUSTEE | Trustee (individual) Service code 20 | 16 INTERLAKEN DR EASTCHESTER, NY 10709 | $12K |
| LOU GACCIONE EIN 05-7646731 TRUSTEE | Trustee (individual) Service code 20 | 906 ATLANTIC AVE BALDWIN, NY 11510 | $11K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMBLEMHEALTH | 0 | $9.8M |
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 0 | $24K |
| Prescription drug | EMBLEMHEALTH | 0 | $9.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.