| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CIARDIELLO INSURANCE AGENCY3 | 2725 WHITNEY AVENUE HAMDEN, CT 06518 | ANTHEM LIFE INSURANCE COMPANY | $9K | — | $9K | 13.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERCIAN SOLUTIONS EIN 52-1590516 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $484K |
| ANTHEM HEALTH PLANS, INC. EIN 06-1475928 NONE | Claims processing; Insurance brokerage commissions and fees; Direct payment from the plan; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator; Other commissions; Insurance agents and brokers Service code 12 | — | $179K |
| CAPITAL RX, INC. EIN 35-2512946 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $176K |
| BENEFITS DNA, LLC NONE | Actuarial; Direct payment from the plan Service code 11 | 2400 MARKET STREET, SUITE 245 PHILADELPHIA, PA 19103 | $140K |
| THE CIARDIELLO INS. CO. NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 2725 WHITNEY AVE. HAMDEN, CT 06518 | $70K |
| HINES & ASSOCIATES EIN 36-3545085 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $49K |
| CITIZENS BANK EIN 20-2635739 NONE | Other services; Direct payment from the plan Service code 49 | — | $44K |
| MERRILL LYNCH PIERCE FENNER & SMITH EIN 13-5674085 NONE | Investment management; Direct payment from the plan Service code 28 | — | $36K |
| ROBERT M. CHEVERIE & ASSOCIATES EIN 06-1335139 NONE | Legal; Direct payment from the plan Service code 29 | — | $36K |
| NOVAK FRANCELLA, LLC EIN 61-1436956 NONE | Other services; Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $30K |
| ZELIS HEALTHCARE LLC EIN 58-2167964 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $20K |
| SENECA CONSULTING GROUP NONE | Other services; Direct payment from the plan Service code 49 | 111 SMITHTOWN BYPASS 112 HAUPPAUGE, NY 11788 | $19K |
| REID & RIEGE, P.C. EIN 06-0867204 NONE | Legal; Direct payment from the plan Service code 29 | — | $16K |
| LOWER HUDSON VALLEY EAP EIN 13-3240307 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $15K |
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 | 485 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 289 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 774 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 540 | $65K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS, INC. | 523 | $648K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 540 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 540 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.