| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARIA INSURANCE BROKERAGE INC3 Filed as: ARIA INS BROKERAGE INC | 371 MERRICK ROAD SUITE 403 ROCKVILLE, NY 11570 | PRUDENTIAL | $3K | — | $3K | 0.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Claims processing Service code 12 | — | $10.7M |
| EMPIRE HEALTHCHOICE ASSURANCE INC EIN 23-7391136 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Float revenue; Claims processing; Other services Service code 12 | — | $1.9M |
| ASSOCIATED ADMINISTRATORS LLC EIN 65-1205077 NONE | Participant communication; Claims processing; Contract Administrator; Account maintenance fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Copying and duplicating Service code 12 | 911 RIDGEBROOK ROAD SPARKS GLENCOE, MD 231152945 | $1.3M |
| UFCW LOCAL 1500 EIN 13-5342295 REALTED LABOR ORGAN | Plan Administrator Service code 14 | 425 MERRICK AVE WESTBURY, NY 11590 | $1.2M |
| ARIA EMPLOYEE BENEFIT SERVICES, INC EIN 46-0666987 | Insurance agents and brokers; Consulting fees; Insurance brokerage commissions and fees Service code 22 | 371 MERRICK ROAD ROCKVILLE CENTRE, NY 11570 | $71K |
| MD SASS ASSOCIATES EIN 13-2704843 | Investment management; Investment management fees paid directly by plan Service code 28 | 1185 AVE. OF THE AMERICAS NEW YORK, NY 10036 | $62K |
| BROACH & STULBERG EIN 13-3309770 | Legal Service code 29 | — | $55K |
| BERTINI CONSULTING GROUP INC. EIN 26-1463863 | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | PO BOX 155 LYNBROOK, NY 11563 | $55K |
| DAVID FISCH & CO CPA'S PC EIN 13-3624679 | Accounting (including auditing) Service code 10 | 3854 FLATLANDS AVENUE BROOKLYN, NY 11234 | $44K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Consulting (general) Service code 16 | 333 WEST 34TH STREET NEW YORK, NY 100012402 | $30K |
| O'SUULIVAN ASSOCIATES INC EIN 20-8199367 | Actuarial Service code 11 | 1236 BRACE ROAD UNIT E CHERRY HILL, NJ 08034 | $11K |
| INVESTMENT PERFORMANCE SERVICES EIN 58-2432390 | Investment advisory (plan) Service code 27 | 7402 HODGSON MEMORIAL DR SAVANNAH, GA 314161709 | $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 | 16,801 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 864 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,665 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRUDENTIAL | 17,320 | $535K |
| Short-term disability | PRUDENTIAL | 293 | $19K |
| Other | PRUDENTIAL | 17,320 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,320 | — |
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.