| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GW NEWMAN INSURANCE, INC3 Filed as: NEWMAN COMPANY | — | CIGNA HEALTH & LIFE INSURANCE COMPANY | $23K | — | $23K | 2.49% |
| ROBERT M REERS3 Filed as: ROBERT J CANARICK | PO BOX 610 SPRING LAKE, NJ 07762 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 5.00% |
| EMS FINANCIAL SERVICES LLC3 Filed as: EMS FINANCIAL SERVICES | — | EXCELLUS BLUE CROSS BLUE SHIELD | $7K | — | $7K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE, INC EIN 23-7391136 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Direct payment from the plan; Other services Service code 12 | — | $1.7M |
| EXCELLUS BLUE CROSS BLUE SHIELD EIN 15-0329043 NONE | Contract Administrator; Claims processing; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $1.0M |
| VIRGINIA & AMBINDER, LLP EIN 13-4166736 NONE | Legal; Direct payment from the plan Service code 29 | — | $973K |
| SCHULTHEIS & PANETTIERI, LLP EIN 13-1577780 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $858K |
| ARCARA ZUCARELLI LENDA & ASSOCIATES EIN 47-1793720 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $214K |
| STEPTOE & JOHNSON, LLP NONE | Legal; Direct payment from the plan Service code 29 | 1114 6TH AVE NEW YORK, NY 10036 | $213K |
| CHARTWELL INVESTMENT PARTNERS LLC EIN 36-4776242 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $206K |
| REVOLT GROUP LLC NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | 929 S HIGH ST SUITE 182 WEST CHESTER, PA 19382 | $180K |
| SUSANIN WIDMAN & BRENNAN PC EIN 23-2265950 NONE | Legal; Direct payment from the plan Service code 29 | — | $176K |
| SIERRA INVESTMENT PARTNERS INC EIN 68-0370668 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $172K |
| MARSHALL & MOSS PAYROLL COMPLIANCE EIN 04-3652965 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $147K |
| KATHLEEN MORIN EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $146K |
| ROSEANN HAINES EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $137K |
| BASYS INC EIN 52-1796473 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $132K |
| ORHAN COSKUNER EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $128K |
| DENISE COSSARO EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $128K |
| KROLL, HEINEMAN, CARTON EIN 76-0760981 NONE | Legal; Direct payment from the plan Service code 29 | — | $126K |
| MICHELLE DARRAGH EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $119K |
| KIMBERLY SENNES EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $113K |
| DAVIS VISION NONE | Insurance services; Direct payment from the plan Service code 23 | 175 E. HOUSTON ST 5TH FLOOR SAN ANTONIO, TX 78205 | $113K |
| WEDGE CAPITAL MANAGEMENT EIN 56-1557450 NONE | Investment management fees paid indirectly by plan; Soft dollars commissions; Investment management fees paid directly by plan; Investment management Service code 28 | — | $108K |
| KIM TOMPURI EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $101K |
| SLEVIN & HART, P.C. EIN 52-1708613 NONE | Legal; Direct payment from the plan Service code 29 | — | $95K |
| LORD ABBETT & CO. LLC EIN 13-5620131 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $92K |
| PENNY CRONK EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $80K |
| ERIN CECCUCCI EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $79K |
| LOWER HUDSON VALLEY E.A.P. EIN 13-3240307 NONE | Direct payment from the plan; Other services Service code 49 | — | $77K |
| LIFETIME BENEFIT SOLUTIONS EIN 16-1171765 NONE | Direct payment from the plan; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $74K |
| EXPRESS SCRIPTS INC EIN 22-3461740 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $70K |
| LISA BRIENZA EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $67K |
| PERFECT PRINTING SOLUTIONS NONE | Direct payment from the plan; Other services Service code 49 | 34 EAST MAIN STREET #396 SMITHTOWN, NY 11787 | $67K |
| MARY SIEMION EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $64K |
| RYAN LABS ASSET MANAGEMENT EIN 47-3503928 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $63K |
| DONNA ALIFFI EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $62K |
| STRASSHEIM GRAPHIC DESIGN & PRESS O NONE | Direct payment from the plan; Copying and duplicating Service code 36 | 1500 SPRING GARDEN STREET #225 PHILADELPHIA, PA 19130 | $60K |
| KAREN PALMER EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $57K |
| LISA BIFULCO EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $57K |
| ABIGAIL BONILLA EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $54K |
| LINDA BAZEWICK EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $53K |
| KYLE LAGONEGRO EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $52K |
| MARGARET LIGHTFOOT EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $51K |
| KIMBERLY GERBER EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $50K |
| ALLIANCE DESIGN INC NONE | Other services; Direct payment from the plan Service code 49 | 434 UNION BLVD TOTOWA, NJ 07512 | $50K |
| ALLYSON NAURONIS EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $49K |
| RYAN ASHLEY PAOLINO EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $46K |
| JJ PIERSON, ESQ EIN 37-1801501 NONE | Legal; Direct payment from the plan Service code 29 | — | $45K |
| RHONDA SACKETT EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $44K |
| C & R CONSULTING, INC EIN 13-3935364 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $44K |
| MARY YEAGER EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $43K |
| PATRICIA MCKENNA EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $43K |
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 | 7,425 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,590 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 10,015 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 230 | $863K |
| Dental | CIGNA HEALTH & LIFE INSURANCE COMPANY | 1,469 | $943K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 5,937 | $339K |
| Prescription drug(2 contracts, 2 carriers) | EXCELLUS BLUECROSS BLUESHIELD | 230 | $926K |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUE CROSS BLUE SHIELD | 2,807 | $144K |
| Other | EXCELLUS BLUECROSS BLUESHIELD | 230 | $863K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,937 | — |
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.