| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BODNER BENEFITS GROUP INC4 | 4 CRY CT NEW CITY, NY 10956 | DELTA DENTAL OF PENNSYLVANIA | $27K | — | $27K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CROSSROADS HEALTHCARE MANAGMNT LLC EIN 74-3064316 NONE | Contract Administrator Service code 13 | 1441 SOUTH AVENUE, STE 702 STATEN ISLAND, NY 10314 | $641K |
| BUCHBINDER TUNICK & CO, LLP EIN 13-1578842 NONE | Accounting (including auditing) Service code 10 | ONE PENN PLAZA SUITE 3200 NEW YORK, NY 10119 | $140K |
| FRIEDMAN AND ANSPACH EIN 13-3403675 NONE | Insurance agents and brokers Service code 22 | 1500 BROADWAY NEW YORK, NY 10036 | $131K |
| EMPIRE BLUE CROSS BLUE SHIELD EIN 23-7391136 NONE | Claims processing Service code 12 | 14 WALL STREET, 22ND FLOOR NEW YORK, NY 10005 | $111K |
| MAGNA CARE EIN 11-3410766 NONE | Claims processing Service code 12 | ONE PENN PLAZA 46TH FLOOR NEW YORK, NY 10119 | $44K |
| DAVID R. PFAFF, M.D. EIN 13-3687263 NONE | Consulting (general) Service code 16 | 3311 HYLAN BOULEVARD STATEN ISLAND, NY 10306 | $20K |
| REYNOLDS CONSULTING SERVICES LLC EIN 20-1899564 NONE | Trustee (individual) Service code 20 | 410 JERICHO TURNPIKE JERICHO, NY 11753 | $16K |
| DD SERVICES, INC EIN 11-2705347 NONE | Claims processing Service code 12 | 1640 HEMPSTEAD TURNPIKE EAST MEADOW, NY 11554 | $15K |
| SUMMIT ACTUARIAL SERVICES,LLC EIN 20-3838633 NONE | Actuarial Service code 11 | 123 PREAKNESS DRIVE MOUNT LAUREL, NJ 08054 | $14K |
| AMALGAMATED BANK EIN 13-4920330 NONE | Custodial (securities); Investment management fees paid directly by plan Service code 19 | 275 7TH AVENUE NEW YORK, NY 10001 | $11K |
| CHARLIE N. HALL SR. EIN 15-6309963 NONE | Trustee (directed) Service code 25 | 2556 ARTHUR KILL ROAD STATEN ISLAND, NY 10309 | $9K |
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 | 1,596 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,596 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 993 | $266K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 993 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.