No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WAGNER & ZWERMAN LLP EIN 11-2836481 ACCOUNTANT | Accounting (including auditing); Direct payment from the plan Service code 10 | 201 OLD COUNTRY ROAD, SUITE 202 MELVILLE, NY 11747 | $27K |
| VIRGINIA & AMBINDER LLP EIN 13-4166736 LEGAL | Legal; Direct payment from the plan Service code 29 | 40 BROAD STREET, 7TH FLOOR NEW YORK, NY 10004 | $26K |
| THE MCKEOGH COMPANY EIN 23-3003375 ACTUARY | Direct payment from the plan; Actuarial Service code 11 | 200 BARR HARBOR DR FOUR TOWER BRIDG WEST CONSHOHOCKEN, PA 19428 | $23K |
| MARSHALL & MOSS ADMIN SERVICES, INC EIN 81-2845805 CONTRACT ADMINISTRATOR | Contract Administrator; Direct payment from the plan Service code 13 | 1400 OLD COUNTRY ROAD, SUITE 406 WESTBURY, NY 11590 | $19K |
| REYNOLDS CONSULTING SERVICES EIN 20-1899564 INVESTMENT CONSULTANT | Investment management fees paid directly by plan; Investment advisory (plan); Consulting fees Service code 27 | 25 NEWBRIDGE ROAD HICKSVILLE, NY 11801 | $5K |
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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 140 | $3.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 140 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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."
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.