In simplified audit information form it is stated that Gross Sales during the audit period were $412.321. However, in 1099 form for 2014 Reportable amount is $289.761.98. From this amount according to our contract
with Bimbo Bakery our profit is only 20%. I don't even know on what numbers the audited payroll is based.
It is also stated that we were charged $106,496 for uninsured subcontractors. Thus, if NYSIF believes that we have someone who works for us and not covered by workers compensation insurance, shouldn't we get the penalty for uninsured labor ? But we didn't get the penalty the just increased the premium
The stated payroll is $22,000 , the audited payroll is $111.696. Does it mean that NYSIF claims that we have 5 drivers for one route, which consists of ten stores and has just one truck?
The gross sales which was stated by NYSIF auditor $412,321 (we still need to pay the cost of the product from this amount). If we divide it by 52 weeks it is going to be $7930.00 per week. If we divide week gross by 5 week days it is $1587.00 gross sale per day. Arnold bread costs approximately $4.00 per piece. So every day one route should deliver around 400 pieces , it is about 50 trays. Is is absolutely possible for one driver.
I tried to call and email the underwriter and the audit supervisor. It is really hard to communicate with them. They are not interested in facts , all they want is to charge big money from small businessman like me. I bet they much more polite with big companies.
Anyway, I have no idea whom I should complaint now. But I just have no money to afford the premium they calculated .