No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE, INC. EIN 23-7391136 CLAIMS PROCESSOR | Claims processing; Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue Service code 12 | 3350 PEACHTREE ROAD POB 30302-445 ATLANTA, GA 303261039 | $900K |
| EXPRESS-SCRIPTS INC EIN 43-1420563 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | ONE EXPRESS WAY 21653 NETWORK PLACE CHICAGO, IL 60673 | $88K |
| DELTA DENTAL OF NEW YORK, INC. EIN 11-1980218 CLAIMS PROCESSOR | Contract Administrator; Claims processing Service code 12 | ONE DELTA DRIVE MECHANICSBURG, PA 17055 | $56K |
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 | 1,642 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 601 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMBLEM HEALTH HMO | 17 | $509K |
| Vision | EYEMED VISION CARE | 2,631 | $73K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 2,203 | $845K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 1,315 | $495K |
| Other(2 contracts, 2 carriers) | EMBLEM HEALTH - POS | 1,487 | $262K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,631 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.