| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BREIER GROUP CONCEPTS, INC3 | 329 LEXINGTON AVE. #2 NEW YORK, NY 10017 | BERKSHIRE HATHAWAY SPECIALTY INSURANCE | $39K | — | $39K | 12.00% |
| LAKESHORE BENEFIT GROUP INSURANCE3 | 529 MAIN STREET #2B NEW HARTFORD, CT 06057 | BERKSHIRE HATHAWAY SPECIALTY INSURANCE | $10K | — | $10K | 3.00% |
| RICHARD BREIER3 | 369 LEXINGTON AVE, STE 202 NEW YORK, NY 10017 | HCC LIFE INSURANCE CO | $14K | — | $14K | 12.00% |
| LAKESHORE BENEFIT GROUP INSURANCE3 | 301 ALBANY TURNPIKE CANTON, CT 06019 | HCC LIFE INSURANCE CO | $3K | — | $3K | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON BLUE CROSS BLUE SHIELD EIN 22-0999690 NONE | Other insurance fees and expenses; Contract Administrator; Direct payment from the plan Service code 13 | — | $164K |
| RSDA-LOCAL 108 EIN 22-1171648 RELATED LABOR UNION | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $126K |
| ALICARE EIN 13-3432867 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $39K |
| CARY KANE LLP EIN 20-1942442 NONE | Legal; Direct payment from the plan Service code 29 | — | $37K |
| MAGNACARE EIN 11-3410766 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $36K |
| CHARLES SCHWAB & CO INC EIN 94-1737782 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $34K |
| MILLIMAN INC EIN 91-0675641 NONE | Direct payment from the plan; Actuarial; Consulting (general) Service code 11 | — | $29K |
| MD SASS ASSOCIATES, INC EIN 13-2704843 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $27K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $23K |
| DAVID BENJAMIN NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | 728 RIDGE ROAD KINNELON, NJ 07405 | $12K |
| WELLS FARGO EIN 20-8582560 NONE | Custodial (securities); Direct payment from the plan Service code 19 | — | $12K |
| DDS INC EIN 11-2705347 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $10K |
| SUMMIT ACTUARIAL SERVICES LLC EIN 20-6838633 NONE | Consulting (general); Actuarial; Direct payment from the plan Service code 11 | — | $8K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $6K |
| OXFELD COHEN, PC EIN 01-0725849 NONE | Legal; Direct payment from the plan Service code 29 | — | $5K |
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 | 258 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | BERKSHIRE HATHAWAY SPECIALTY INSURANCE | 259 | $442K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.