| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RUGGIERI, PHILIP3 | 355 LEXINGTON AVE NEW YORK, NY 10017 | HORIZON HEALTHCARE SERVICES, INC. | $454K | $0 | $454K | 3.55% |
| RUGGIERI, PHILIP3 | 355 LEXINGTON AVE NEW YORK, NY 10017 | HORIZON HEALTHCARE SERVICES, INC. | $79K | $0 | $79K | 3.03% |
| RUGGIERI, PHILIP3 | 355 LEXINGTON AVENUE FLOOR #22 NEW YORK, NY 10017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $24K | $0 | $24K | 1.98% |
| PHILIP RUGGIERI3 | 355 LEXINGTON AVE NEW YORK, NY 10017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $10K | $15K | 6.71% |
| PHILIP RUGGIERI3 | 355 LEXINGTON AVE NEW YORK, NY 10017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | $8K | $34K | 19.48% |
| PHILLIP RUGGIERI3 | 355 LEXINGTON AVE FL 22 NEW YORK, NY 100176603 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.32% |
| PHILIP RUGGIERI3 | 355 LEXINGTON AVE NEW YORK, NY 10017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $4K | $17K | 19.39% |
| PHILIP RUGGIERI3 | 355 LEXINGTON AVE NEW YORK, NY 10017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $4K | $16K | 19.40% |
| PHILIP RUGGIERI3 | 355 LEXINGTON AVE NEW YORK, NY 10017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $4K | $8K | 10.53% |
| PHILIP RUGGIERI3 | 355 LEXINGTON AVE NEW YORK, NY 10017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $5K | 11.28% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLORES AND ASSOCIATES EIN 56-1542307 NONE | Contract Administrator; Claims processing Service code 12 | — | $33K |
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 | 2,203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 90 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 2,321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 1,444 | $12.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,343 | $1.2M |
| Vision | VISION SERVICE PLAN | 1,035 | $130K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,203 | $391K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 277 | $130K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 708 | $161K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 1,444 | $2.6M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,203 | $391K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,203 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.