See the carriers, broker commissions and premiums for this plan.
It also shows filing history and funding margin. Your first month is $4.99.
See 10 contract rows with premium, retention and renewal dates. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
See commissions and fees for 4 broker rows. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTERNATIONAL BENEFITS ADMINISTRATI EIN 11-3293162 NONE | Contract Administrator Service code 13 | 100 GARDEN CITY PLAZA SUITE 110 GARDEN CITY, NY 11530 | $408K |
| EMPIRE HEALTHCHOICE ASSURANCE INC EIN 23-7391136 NONE | Contract Administrator Service code 13 | 9 PINE STREET 14TH FLOOR NEW YORK, NY 10005 | $215K |
| FIRST FINANCIAL SERVICES 11-3043712 | Other commissions; Named fiduciary; Securities brokerage; Investment advisory (plan); Consulting (general); Distribution (12b-1) fees; Custodial (securities) Service code 16 | — | $185K |
| JEANNINE DEVLIN EIN 11-6043757 NONE | Employee (plan) Service code 30 | — | $136K |
| OPTUMRX EIN 33-0441200 PHARMACY BENEFIT MNGMT | Direct payment from the plan; Float revenue; Claims processing; Other fees Service code 12 | — | $79K |
| DAWN LANGE EIN 11-6043757 NONE | Employee (plan) Service code 30 | — | $75K |
| WILMA SPATAFORE-ALVAREZ EIN 11-6043757 NONE | Employee (plan) Service code 30 | — | $61K |
| CRAFT SKILL REALTY CORPORATION EIN 47-2071062 OWN & OPERATE LAND & BLDG | Other services Service code 49 | — | $26K |
| 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 |
| FACT FIRST ACTUARIAL CONSULTING EIN 26-3842522 NONE | Actuarial Service code 11 | 1501 BROADWAY SUITE 1728 NEW YORK, NY 10036 | $15K |
| HOLM & OHARA EIN 13-3591118 UNION ATTORNEY | Legal Service code 29 | 3 WEST 35TH STREET 9TH FLOOR NEW YORK, NY 10001 | $14K |
| KOBGO ASSOCIATES EIN 13-2751089 NONE | Accounting (including auditing) Service code 10 | — | $14K |
| C&R CONSULTING SERVICES EIN 13-3935364 NONE | Contract Administrator; Claims processing Service code 12 | 1501 BROADWAY SUITE 1724 NEW YORK, NY 10036 | $13K |
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 | 818 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 821 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEM HEALTH | 754 | $4.6M |
| Dental(6 contracts) | DENTCARE DELIVERY SYSTEMS | 341 | $706K |
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 819 | $89K |
| Short-term disability | AMALGAMATED LIFE INSURANCE COMPANY | 818 | $72K |
| Stop-loss / reinsurancereinsurance | GARDEN STATE LIFE/UNITYRE | 768 | $657K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 819 | — |
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."
The primary broker changed. The plan may take a second-look pitch.
Broker compensation exceeds 5% of premium. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan is either richly funded or stuck with a bad rate.