| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRITY UNDERWRITERS & BROKERS3 Filed as: INTEGRITY UNDERWRITERS AND BROKERS | 4914 WEST GENESSE STREET CAMILLUS, NY 13031 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NY | $46K | — | $46K | 11.48% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD, 2ND FL HAUPPAUGE, NY 11788 | HARTFORD LIFE AND ACCIDENT | $19K | $1K | $20K | 10.84% |
| RUBENZAHL STANLEY3 | MAXON ADMINISTRATORS INC 76 NO BROADWAY IRVINGTON, NY 10533 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 1.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DICKINSON GROUP LLC EIN 20-1241472 NONE | Insurance agents and brokers; Contract Administrator; Direct payment from the plan; Actuarial; Insurance brokerage commissions and fees Service code 11 | — | $573K |
| DDS SERVICES INC EIN 11-2705346 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $154K |
| SLEVIN & HART EIN 52-1708613 NONE | Legal; Direct payment from the plan Service code 29 | — | $143K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 26-4310632 NONE | Securities brokerage commissions and fees; Investment advisory (plan); Direct payment from the plan; Securities brokerage; Custodial (securities); Other services; Other investment fees and expenses Service code 19 | — | $84K |
| COSTAROTHBORT CPAS LLC EIN 46-5286678 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $45K |
| INFOCUS ADVISORS DBA HERITAGE RX EIN 90-0768729 NONE | Consulting fees; Direct payment from the plan Service code 50 | — | $33K |
| STEINBERG,STECKLER & PICCIURRO, PC EIN 13-2665700 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $28K |
| BARNES, LACCARINO & SHEPERD LLP NONE | Accounting (including auditing); Legal Service code 10 | 258 SAW MILL RIVER ROAD ELMSFORD, NY 10523 | $21K |
| ERIC OLYNIK NONE | Trustee (individual); Direct payment from the plan Service code 20 | 50 CHARLES LINDBERGH BLVD UNIONDALE, NY 11553 | $15K |
| P&B ASSOC. SECURITY & INVESTIGATION NONE | Direct payment from the plan; Other services Service code 49 | 1059 EAST 225TH STREET BRONX, NY 10466 | $6K |
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 | 1,084 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,092 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,036 | $188K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NY | 1,121 | $397K |
| Other | HARTFORD LIFE AND ACCIDENT | 1,036 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,121 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.