| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIRAM COHEN AND SON, INC.3 Filed as: HIRAM COHEN & SON | 486 WILLIS AVENUE WILLISTON PARK, NY 11596 | FIRST UNUM LIFE INSURANCE COMPANY | $869 | — | $869 | 12.00% |
| NEP GA LLC3 | 2000 CHAPEL VIEW BLVD SUITE 240 CRANSTON, RI 02920 | FIRST UNUM LIFE INSURANCE COMPANY | — | $224 | $224 | 3.09% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | — | $199 | $199 | 2.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE, INC. EIN 23-7391136 | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Float revenue; Claims processing; Direct payment from the plan Service code 12 | — | $2.1M |
| EXPRESS SCRIPTS EIN 43-1420563 | Other fees; Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $813K |
| VITECH SYSTEMS GROUP EIN 13-3785492 | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $188K |
| LOUISE FURIO EIN 13-1545680 | Employee (plan) Service code 30 | — | $90K |
| ROGER ROSS EIN 13-1545680 | Employee (plan) Service code 30 | — | $80K |
| INTEGRITY PHARMACEUTICAL ADVISORS, EIN 45-3047652 | Other fees; Contract Administrator; Direct payment from the plan Service code 13 | — | $75K |
| JAMES C. WHITE EIN 13-1545680 | Employee (plan) Service code 30 | — | $64K |
| THE SEGAL COMPANY EIN 13-1835864 | Direct payment from the plan; Actuarial Service code 11 | — | $58K |
| SEAN DRISCOLL EIN 13-1545680 | Employee (plan) Service code 30 | — | $56K |
| SABINA WRIGHT EIN 13-1545680 | Employee (plan) Service code 30 | — | $48K |
| FRANCES MCCANN EIN 13-1545680 | Employee (plan) Service code 30 | — | $40K |
| TIMOTHY POWERS EIN 13-1545680 | Employee (plan) Service code 30 | — | $39K |
| SEGAL SELECT INSURANCE SERVICES EIN 46-0619194 | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $37K |
| LAPADULA, CARLSON & CO., CPA EIN 65-0292391 | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $35K |
| SEGAL MARCO ADVISORS EIN 13-2646110 | Investment advisory (plan) Service code 27 | — | $35K |
| ROBERT LUGONES EIN 13-1545680 | Employee (plan) Service code 30 | — | $32K |
| TYLER WENGERT EIN 13-1545680 | Employee (plan) Service code 30 | — | $29K |
| CHUBB & SON EIN 13-1963496 | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $21K |
| COLLERAN, O'HARA, MILLS LLP EIN 11-2940050 | Legal; Direct payment from the plan Service code 29 | — | $20K |
| LINDABURY MCCORMICK ESTABROOK & COO EIN 22-1943351 | Legal; Direct payment from the plan Service code 29 | — | $20K |
| EMPOWER ANNUITY INSURANCE COMPANY EIN 06-1050034 | Investment management fees paid indirectly by plan; Custodial (other than securities); Custodial (securities) Service code 18 | — | $14K |
| THE BANK OF NEW YORK MELLON EIN 13-5160382 | Custodial (other than securities); Direct payment from the plan Service code 18 | — | $11K |
| AUTOMATIC DATA PROCESSING EIN 22-1467904 | Direct payment from the plan; Recordkeeping fees Service code 50 | — | $6K |
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 | 2,208 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,404 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 4,612 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 10,511 | $6.4M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,136 | $257K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,136 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,511 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.