| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EAGLE RISK SERVICES LLC3 | 202 CATON AVE BROOKLYN, NY 11218 | SUN LIFE AND HEALTH INSURANCE COMPANY | $48K | — | $48K | 9.00% |
| BEN WERTZBERGER & ASSOC LP3 Filed as: BEN WERZBERGER & ASSOC LP | 26 WILSON STREET BROOKLYN, NY 11249 | SUN LIFE AND HEALTH INSURANCE COMPANY | $5K | — | $5K | 0.91% |
| SDF ASSOCIATES 1991 LTD3 Filed as: SDF ASSOCIATES1991, LTD | 571 MCDONALD AVENUE BROOKLYN, NY 11218 | SUN LIFE AND HEALTH INSURANCE COMPANY | $57K | $6K | $63K | 16.98% |
| BEN WERTZBERGER & ASSOC LP3 Filed as: BEN WERZBERGER & ASSOC LP | 26 WILSON STREET BROOKLYN, NY 11249 | SUN LIFE AND HEALTH INSURANCE COMPANY | $27K | — | $27K | 10.00% |
| WERTZBERGER, BEN-ZION3 | 26 WILSON STREET BROOKLYN, NY 11249 | SUN LIFE ASSURANCE COMPANY OF CANADA | $23K | — | $23K | 9.69% |
| SDF ASSOCIATES 1991 LTD3 Filed as: SDF ASSOCIATES 1991, LTD | 571 MCDONALD AVENUE BROOKLYN, NY 11218 | HCC LIFE INSURANCE COMPANY | $12K | $812 | $13K | 15.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLSTATE ADMINISTRATORS, LLC EIN 26-4804002 THIRD PARTY ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 202 CATON AVENUE BROOKLYN, NY 11218 | $1.1M |
| AMERICAN PLAN ADMINISTRATORS EIN 20-0701442 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 18 HEYWARD STREET BROOKLYN, NY 11211 | $794K |
| CULLEN AND DYKMAN LLP ATTORNEY | Legal Service code 29 | 100 QUENTIN ROOSEVELT BOULEVARD GARDEN CITY, NY 11530 | $180K |
| SMITH RX PRESCRIPTION DRUG VENDOR | Other services Service code 49 | 300 BRANNAN STREET SUITE 601 SAN FRANCISCO, CA 94107 | $53K |
| FASTEN HALBERSTAM LLP EIN 47-2319109 PLAN AUDITOR | Accounting (including auditing) Service code 10 | 40 WALL STREET SUITE 3602 NEW YORK, NY 10005 | $9K |
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 | 1,097 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance(5 contracts, 3 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 505 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 505 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.