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 9 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 12 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 | $726K |
| EMPIRE HEALTHCHOICE ASSURANCE INC EIN 23-7391136 NONE | Contract Administrator Service code 13 | 9 PINE STREET 14TH FLOOR NEW YORK, NY 10005 | $527K |
| FIRST FINANCIAL SERVICES 11-3043712 | Consulting (general); Investment advisory (plan); Securities brokerage; Custodial (securities); Distribution (12b-1) fees; Named fiduciary; Other commissions Service code 16 | — | $412K |
| JEANNINE DEVLIN EIN 11-6043757 NONE | Employee (plan) Service code 30 | — | $171K |
| DAWN LANGE EIN 11-6043757 NONE | Employee (plan) Service code 30 | — | $102K |
| WILMA SPATAFORE-ALVAREZ EIN 11-6043757 NONE | Employee (plan) Service code 30 | — | $74K |
| CONNECTYOURCARE LLC NONE | Contract Administrator Service code 13 | 307 INTERNATIONAL CIRCLE SUITE 200 HUNT VALLEY, MA 21030 | $49K |
| GOULD, KOBRICK, & SCHLAPP, P.C. EIN 13-3082707 UNION AUDITOR | Accounting (including auditing) Service code 10 | 192 LEXINGTON AVENUE SUITE 700 NEW YORK, NY 10016 | $49K |
| OPTUMRX EIN 33-0441200 NONE | Claims processing; Contract Administrator; Other fees; Float revenue; Direct payment from the plan Service code 12 | — | $36K |
| FACT FIRST ACTUARIAL CONSULTING EIN 26-3842522 NONE | Actuarial Service code 11 | 1501 BROADWAY SUITE 1728 NEW YORK, NY 10036 | $24K |
| HOLM & OHARA EIN 13-3591118 UNION ATTORNEY | Legal Service code 29 | 3 WEST 35TH STREET 9TH FLOOR NEW YORK, NY 10001 | $21K |
| SYNTONIC SYSTEMS INC. EIN 13-2925049 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $8K |
| ACRISURE DBA UNION BEN PLANNERS EIN 26-3554645 NONE | Contract Administrator Service code 13 | — | $0 |
| FIRST FINANCIAL SERVICES EIN 11-3043712 NONE | Custodial (securities); Securities brokerage; Consulting (general); Other commissions; Investment advisory (plan); Distribution (12b-1) fees; Named fiduciary 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 | 810 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 819 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(6 contracts) | DENTCARE DELIVERY SYSTEMS | 396 | $615K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 811 | $194K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 811 | $52K |
| Stop-loss / reinsurancereinsurance | US FIRE INSURANCE COMPANY | 791 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 811 | — |
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 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.