No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GEM GROUP EIN 13-3329882 NONE | Contract Administrator Service code 13 | — | $91K |
| SEGAL COMPANY EIN 94-1503999 NONE | Actuarial Service code 11 | — | $71K |
| BARNES, IACCARINO & SHEPHERD, LLP EIN 43-1995226 NONE | Legal Service code 29 | — | $65K |
| JOHN STRAUSS EIN 11-1653210 EMPLOYEE | Other fees Service code 99 | — | $63K |
| CIGNA EIN 59-1031071 NONE | Named fiduciary; Direct payment from the plan; Contract Administrator; Non-monetary compensation; Claims processing; Float revenue; Other services; Participant communication Service code 12 | — | $59K |
| DEBORAH CARACCIOLO EIN 11-1653210 EMPLOYEE | Other fees Service code 99 | — | $52K |
| MSPC EIN 22-2951202 NONE | Accounting (including auditing) Service code 10 | — | $48K |
| WILLIAM ROTHBERG, P.C. EIN 11-2715017 NONE | Legal Service code 29 | — | $40K |
| IE SHAFFER NONE | Contract Administrator Service code 13 | 830 BEAR TAVERN ROAD WEST TRENTON, NJ 08628 | $25K |
| ALBERT J RODRIGUEZ P.C. EIN 04-3609519 NONE | Legal Service code 29 | — | $24K |
| ALBERTA BARTOLO EIN 11-1653210 EMPLOYEE | Other fees Service code 99 | — | $14K |
| BOND BEEBE ACCOUNTANTS & ADVISORS NONE | Accounting (including auditing) Service code 10 | 4600 EAST WEST HIGHWAY, SUITE 900 BETHESDA, MD 20814 | $8K |
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 | 585 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 158 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 743 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,874 | $10.7M |
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 743 | $44K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,874 | $10.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,874 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.