| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREW LAVENZIANO | 159 SUMMIT CIR LITTLEY FERRY, NJ 07643 | SUN LIFE AND HEALTH INS CO | $2K | — | $2K | 8.03% |
| ROSAS INDEMNITY SERVICES | 205 HARDSCRABBLE RD NORTH SALEM, NY 10560 | EMBLEM HEALTH | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LAURIE GRECO EIN 20-3244794 EMPLOYEE | Contract Administrator Service code 13 | 1065 OLD COUNTRY RD WESTBURY, NY 11590 | $190K |
| CLAUDIA MARQUEZ EIN 20-3244794 EMPLOYEE | Trustee (discretionary) Service code 24 | 1065 OLD COUNTRY RD WESTBURY, NY 11590 | $62K |
| MCCARTHY AND PREECE LLC EIN 84-3667887 LAWYER | Insurance agents and brokers Service code 22 | 109 DANBURY ROAD RIDGEFIELD, CT 06877 | $51K |
| COSTAROTHBORT LLC EIN 46-5286678 ACCOUNTANT | Accounting (including auditing) Service code 10 | 445 BROADHO OW ROAD WMELVILLE, NY 11747 | $26K |
| MARCIA SALOMON EIN 20-3244794 EMPLOYEE | Trustee (discretionary) Service code 24 | 1065 OLD COUNTRY RD WESTBURY, NY 11590 | $24K |
| CATHY VASILE EIN 20-3244794 EMPLOYEE | Trustee (discretionary) Service code 24 | 1065 OLD COUNTRY RD WESTBURY, NY 11590 | $24K |
| LINDA MAUGERI EIN 20-3244794 EMPLOYEE | Trustee (discretionary) Service code 24 | 1065 OLD COUNTRY RD WESTBURY, NY 11590 | $22K |
| JACQUELINE ELSNER EIN 20-3244794 EMPLOYEE | Trustee (discretionary) Service code 24 | 1065 OLD COUNTRY RD WESTBURY, NY 11590 | $19K |
| ANDREW FAIR, ESQ. EIN 20-3322400 TRUSTEE | Trustee (individual) Service code 20 | 16 INTERLAKEN DR EASTCHESTER, NY 10709 | $18K |
| LOU GACCIONE EIN 05-7646731 TRUSTEE | Trustee (individual) Service code 20 | 906 ATLANTIC AVE BALDWIN, NY 11510 | $18K |
| JACKI MITCHELL EIN 20-3244794 EMPLOYEE | Trustee (discretionary) Service code 24 | 1065 OLD COUNTRY RD WESTBURY, NY 11590 | $17K |
| SUMMIT ACTUARIAL SERVICES EIN 11-4385930 ACTUARY | Actuarial Service code 11 | 123 PREAKNESS DR. MT. LAUREL, NJ 08054 | $15K |
| EMPIRE HEALTHCHOICE ASSURANCE EIN 23-7391136 NONE | Other services; Claims processing; Contract Administrator; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 3075 VANDERCAR WAY CINCINNATI, OH 45209 | $14K |
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. |
| Total participants (= "Plan participants" tile) | 804 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEM HEALTH | 0 | $0 |
| Life insurance | SUN LIFE AND HEALTH INS CO | 0 | $31K |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.