| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RUGGIERI, PHILIP3 | 355 LEXINGTON AVENUE NEW YORK, NY 10017 | HORIZON HEALTHCARE SERVICES, INC. | $494K | $0 | $494K | 3.24% |
| RUGGIERI, PHILIP3 | 355 LEXINGTON AVENUE NEW YORK, NY 10017 | HORIZON HEALTHCARE SERVICES, INC. | $88K | $0 | $88K | 2.76% |
| RUGGIERI, PHILIP3 | 355 LEXINGTON AVENUE FLOOR #22 NEW YORK, NY 10017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $25K | $0 | $25K | 1.98% |
| PHILIP RUGGIERI3 | 355 LEXINGTON AVE NEW YORK, NY 100176603 | STANDARD INSURANCE COMPANY | $41K | $15K | $55K | 12.04% |
| PHILIP RUGGIERI3 | 355 LEXINGTON AVE NEW YORK, NY 100176603 | STANDARD INSURANCE COMPANY | $21K | $10K | $31K | 12.79% |
| PHILIP RUGGIERI3 | 355 LEXINGTON AVE NEW YORK, NY 100176603 | STANDARD INSURANCE COMPANY | $19K | $7K | $25K | 14.60% |
| PHILLIP RUGGIERI3 | 355 LEXINGTON AVE FL 22 NEW YORK, NY 100176603 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLORES AND ASSOCIATES EIN 56-1542307 NONE | Contract Administrator; Claims processing Service code 12 | — | $35K |
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 | 2,342 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 64 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 2,451 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 1,654 | $15.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,553 | $1.3M |
| Vision | VISION SERVICE PLAN | 1,287 | $157K |
| Life insurance | STANDARD INSURANCE COMPANY | 2,342 | $460K |
| Short-term disability | STANDARD INSURANCE COMPANY | 583 | $174K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,146 | $242K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 1,555 | $3.2M |
| Other | STANDARD INSURANCE COMPANY | 2,342 | $460K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,342 | — |
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."
No prospect flags tripped on this filing.