| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARIA INSURANCE BROKERAGE INC3 | 371 MERRICK ROAD, SUITE 403 ROCKVILLE CENTRE, NY 11570 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.23% |
| ARIA INSURANCE BROKERAGE INC3 | 371 MERRICK ROAD, SUITE 403 ROCKVILLE CENTRE, NY 11570 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.23% |
| ARIA INSURANCE BROKERAGE INC3 Filed as: ARIA INSURANCE BROKERAGE INC. | 371 MERRICK ROAD ROCKVILLE CENTRE, NY 11570 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $109 | — | $109 | 0.24% |
| ARIA INSURANCE BROKERAGE INC3 | 371 MERRICK ROAD ROCKVILLE CENTRE, NY 11570 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $42 | — | $42 | 0.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE EIN 23-7391136 NONE | Claims processing; Contract Administrator Service code 12 | — | $1.4M |
| ASSOCIATED ADMINISTRATORS, LLC EIN 65-1205077 NONE | Claims processing; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $1.2M |
| UFCW LOCAL 1500 EIN 13-5342295 AFFILIATED LOCAL UNION | Other services Service code 49 | — | $1.2M |
| EXPRESS SCRIPTS, INC EIN 43-1420563 NONE | Claims processing Service code 12 | — | $244K |
| ARIA EMPLOYEE BENEFITS SERVICES INC EIN 46-0666987 NONE | Consulting (general) Service code 16 | — | $62K |
| ARCHER BYINGTON GLENNON & LEVINE EIN 26-0873462 NONE | Legal Service code 29 | — | $57K |
| M.D. SASS EIN 13-2704843 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $54K |
| DAVID FISCH & COMPANY EIN 13-3624679 NONE | Accounting (including auditing) Service code 10 | — | $44K |
| HEALTH MANAGEMENT SYSTEM, INC NONE | Other services Service code 49 | P.O. BOX 27151 NEW YORK, NY 10087 | $42K |
| BERTINI CONSULTING GROUP, INC. EIN 26-1463863 NONE | Consulting (general) Service code 16 | — | $35K |
| SEGAL COMPANY EIN 13-1835864 NONE | Consulting (general) Service code 16 | — | $31K |
| CHARTWELL INVESTMENT PARTNERS EIN 36-4776242 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $23K |
| BLUE CROSS, BLUE SHIELD NONE | Claims processing Service code 12 | 3350 PEACHTREE ROAD, NE ATLANTA, GA 30326 | $23K |
| BROACH & STULBERG LLP EIN 13-3309770 NONE | Legal Service code 29 | — | $22K |
| O'SULLIVAN ASSOCIATES EIN 20-8199367 NONE | Actuarial Service code 11 | — | $11K |
| ARIA INSURANCE BROKERAGE INC. EIN 46-0371309 NONE | Insurance services Service code 23 | — | $6K |
| INVESTMENT PERFORMANCE SERVICES LLC EIN 58-2432390 NONE | Investment advisory (plan) Service code 27 | — | $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 | 19,824 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 464 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 20,288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 18,819 | $1.1M |
| Short-term disability(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 18,819 | $588K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 18,819 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,819 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.