No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE, INC. EIN 23-7391136 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Float revenue; Other services Service code 12 | 3350 PEACHTREE ROAD ATLANTA, GA 303261039 | $180K |
| JEANNINE DEVLIN EIN 11-6043757 NONE | Employee (plan) Service code 30 | — | $161K |
| FIRST FINANCIAL SERVICES 11-3043712 | Investment advisory (plan); Consulting (general); Securities brokerage; Distribution (12b-1) fees; Custodial (securities); Other commissions; Named fiduciary Service code 16 | — | $144K |
| DAWN LANGE EIN 11-6043757 NONE | Employee (plan) Service code 30 | — | $79K |
| WILMA SPATAFORE-ALVAREZ EIN 11-6043757 NONE | Employee (plan) Service code 30 | — | $59K |
| GOULD, KOBRICK, & SCHLAPP, P.C. EIN 13-3082707 UNION AUDITOR | Accounting (including auditing) Service code 10 | 3 PARK AVENUE SUITE 1402 NEW YORK, NY 10016 | $25K |
| C&R CONSULTING SERVICES EIN 13-3935364 NONE | Claims processing; Contract Administrator Service code 12 | 1501 BROADWAY SUITE 1724 NEW YORK, NY 10036 | $16K |
| HOLM & OHARA EIN 13-3591118 UNION ATTORNEY | Legal Service code 29 | 3 WEST 35TH STREET 9TH FLOOR NEW YORK, NY 10001 | $14K |
| FACT FIRST ACTUARIAL CONSULTING EIN 26-3842522 NONE | Actuarial Service code 11 | 1501 BROADWAY SUITE 1728 NEW YORK, NY 10036 | $10K |
| I.B.E.W. LOCAL 1049 EIN 11-0502155 RELATED ORG - UNION | Copying and duplicating; Participant communication; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 100 CORPORATE DRIVE HOLTSVILLE, NY 11742 | $7K |
| FIRST FINANCIAL SERVICES EIN 11-3043712 NONE | Consulting (general); Distribution (12b-1) fees; Custodial (securities); Securities brokerage; Other commissions; Named fiduciary; Investment advisory (plan); Investment management Service code 16 | 38 KINGS HIGHWAY HAUPPAUGE, NY 11788 | $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 | 524 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,656 | $9.2M |
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 524 | $61K |
| Short-term disability | AMALGAMATED LIFE INSURANCE COMPANY | 524 | $74K |
| Prescription drug | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,656 | $9.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,656 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.