No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 13-3329882 NONE | Contract Administrator; Investment management fees paid directly by plan Service code 13 | — | $134K |
| MSPC EIN 22-2951202 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $104K |
| JOHN STRAUSS EIN 11-1653210 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $68K |
| DEBORAH CARACCIOLO EIN 11-1653210 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $57K |
| MIGDALIA SANABRIA EIN 11-1653210 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $52K |
| WILLIAM ROTHBERG, P.C. EIN 11-2715017 NONE | Legal; Direct payment from the plan Service code 29 | — | $51K |
| SEGAL COMPANY EIN 94-1503999 NONE | Investment management fees paid directly by plan; Actuarial Service code 11 | — | $35K |
| BARNES, IACCARINO & SHEPHERD, LLP EIN 43-1995226 NONE | Legal; Direct payment from the plan Service code 29 | — | $29K |
| ALBERT J RODRIGUEZ P.C. EIN 04-3609519 NONE | Legal; Direct payment from the plan Service code 29 | — | $25K |
| ALBERTA BARTOLO EIN 11-1653210 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $15K |
| CIGNA EIN 59-1031071 NONE | Float revenue; Contract Administrator; Named fiduciary; Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Participant communication Service code 12 | — | $0 |
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 | 751 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 99 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 850 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 850 | $12.4M |
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 806 | $36K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 850 | $12.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 850 | — |
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.
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.