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| Provider | Services | Address | Compensation |
|---|---|---|---|
| LEADING EDGE ADMINISTRATION EIN 27-2589905 NONE | Plan Administrator Service code 14 | 14 WALL STREET STE 5B NEW YORK, NY 10005 | $420K |
| GUTMAN INSTURANCE AGENCY NONE | Plan Administrator Service code 14 | 134 SOUTH 9TH STREET 4A BROOKLYN, NY 11211 | $179K |
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 | 305 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SWISS RE CORPORATE SOLUTION AMERICA INS. CORP | 0 | $709K |
| Dental | HEALTHPLEX INSURANCE COMPANY | 211 | $87K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 120 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.