| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 N PIMA ROAD STE 210 SCOTTSDALE, AZ 85255 | PRINCIPAL LIFE INSURANCE CO. | $4K | $835 | $5K | 6.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLET GENERAL COMM. OF ADJUSTMENT EIN 11-2073596 RELATED ORGANIZATION | Direct payment from the plan Service code 50 | 2459 OCEAN AVENUE SUITE B RONKONKOMA, NY 11779 | $93K |
| J MANENTI EIN 51-0247782 NONE | Employee (plan); Direct payment from the plan Service code 30 | 2459 OCEAN AVENUE SUITE B RONKONKOMA, NY 11779 | $50K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Consulting (general); Direct payment from the plan; Actuarial Service code 11 | 333 WEST 34TH STREET NEW YORK, NY 10001 | $46K |
| C A SMITH EIN 51-0247782 NONE | Direct payment from the plan; Employee (plan) Service code 30 | 2459 OCEAN AVENUE SUITE B RONKONKOMA, NY 11779 | $28K |
| GOULD, KOBRICK & SCHLAPP, PC EIN 13-3082707 UNION ACCOUNTANT | Direct payment from the plan; Accounting (including auditing) Service code 10 | 3 PARK AVENUE SUITE 1402 NEW YORK, NY 10016 | $26K |
| AMERITAS LIFE INSURANCE CORP. OF NY NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $17K |
| JBM COMPUTER CONSULTANTS INC NONE | Other services Service code 49 | 20 N AMERICA DR WEST SENECA, NY 14224 | $16K |
| COHEN, WEISS & SIMON EIN 13-1592323 UNION COUNSEL | Legal Service code 29 | — | $7K |
| SEGAL SELECT INSURANCE SERVICES INC EIN 46-0619194 NONE | Insurance brokerage commissions and fees Service code 53 | — | $4K |
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 | 497 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 65 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 562 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRINCIPAL LIFE INSURANCE CO. | 565 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 565 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.