| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KD BENEFITS INSURANCE BROKERAGE3 Filed as: KD BENEFITS INSURANCE BROKERAGE INC | 6 PARK LANE MARBLEHEAD, MA 01945 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | $4K | — | $4K | 3.57% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST | 71 MONROE AVENUE SUITE A PITTSFORD, NY 14534 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $2K | $4K | 4.64% |
| KD BENEFITS INS BROKERAGE INC3 | 6 PARK LANE MARBLEHEAD, MA 01945 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.06% |
| KD BENEFITS INS BROKERAGE INC3 | 6 PARK LANE MARBLEHEAD, MA 01945 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 11.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDCO HEALTH SOLUTIONS, INC. EIN 22-3461740 NONE | Other services Service code 49 | — | $5.6M |
| INTERNATIONAL BUSINESS MACHINES COR EIN 13-0871985 NONE | Other services Service code 49 | — | $3.0M |
| EVERNORTH BEHAVIORAL HEALTH, INC. EIN 41-1648670 NONE | Claims processing Service code 12 | — | $3.0M |
| SHI-INTERNATIONAL CORP EIN 22-3009648 NONE | Other services Service code 49 | — | $2.0M |
| SEGAL SELECT INSURANCE SERVICES INC EIN 46-0619194 NONE | Other services Service code 49 | — | $1.8M |
| COMPUTER DESIGN & INTEGRATION, LLC EIN 13-3823827 NONE | Other services Service code 49 | — | $1.7M |
| VITECH SYSTEMS GROUP, INC. EIN 13-3785492 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $1.5M |
| CHANGE HEALTHCARE LLC EIN 81-3611560 NONE | Claims processing Service code 12 | — | $1.4M |
| MICROSOFT CORPORATION EIN 91-1144442 NONE | Other fees Service code 99 | — | $1.4M |
| DHU REALTY CORPORATION EIN 13-3687074 NONE | Other fees Service code 99 | — | $1.4M |
| CHANGE HEALTHCARE OPERATIONS, LLC EIN 20-5731067 NONE | Claims processing Service code 12 | — | $1.3M |
| LEVY RATNER, P.C. EIN 13-3726314 NONE | Legal Service code 29 | — | $1.2M |
| WILLIS OF NEW YORK INC. EIN 13-2695427 NONE | Insurance services Service code 23 | — | $1.2M |
| US POSTAL SERVICE NONE | Other services Service code 49 | POSTMASTER, CAPS SERVICE CTR. 2700 SAN MATEO, CA 94497 | $1.1M |
| VERIZON NEW YORK INC EIN 13-5275510 NONE | Other services Service code 49 | — | $1.0M |
| AUBURN IT RESOURCES, INC. EIN 82-4462048 NONE | Finders' fees / placement fees Service code 61 | — | $897K |
| COGNIZANT TRIZETTO SOFTWARE GROUP, EIN 33-0761159 NONE | Other services Service code 49 | — | $895K |
| MILLIMAN, INC. EIN 91-0675641 NONE | Actuarial Service code 11 | — | $893K |
| MVP HEALTH CARE, INC EIN 14-1640868 NONE | Other fees Service code 99 | — | $859K |
| PRESIDIO NETWORKED SOLUTIONS, INC. EIN 58-1667655 NONE | Other services Service code 49 | — | $851K |
| STEP VISUAL COMMUNICATIONS LLC EIN 24-4662241 NONE | Copying and duplicating Service code 36 | — | $823K |
| COTIVITI, INC. EIN 56-2059380 NONE | Other services Service code 49 | — | $820K |
| PRINCIPAL LIFE INSURANCE COMPANY EIN 42-0127290 NONE | Other services Service code 49 | — | $709K |
| EVICORE HEALTHCARE MSI, LLC EIN 62-1615395 NONE | Other services Service code 49 | — | $671K |
| ORACLE AMERICA, INC. EIN 94-2805249 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $667K |
| AUTOMATIC DATA PROCESSING, INC. EIN 22-1467904 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $626K |
| AMALGAMATED EMPLOYEE BENEFITS ADMIN EIN 13-3432221 NONE | Other fees Service code 99 | — | $624K |
| JACK C. KEANE, INC. EIN 52-2225523 NONE | Consulting (general) Service code 16 | — | $620K |
| INQUISITHEALTH EIN 41-4199033 NONE | Other services Service code 49 | — | $533K |
| NAVINET INC. EIN 04-3355932 NONE | Other services Service code 49 | — | $500K |
| DELPHIX CORP EIN 26-2255969 NONE | Other services Service code 49 | — | $489K |
| THE STANDARD LIFE INSURANCE COMPANY EIN 13-4119477 NONE | Insurance services Service code 23 | — | $476K |
| NEW YORK STATE INSURANCE FUND EIN 14-6013200 NONE | Insurance services Service code 23 | — | $474K |
| HILLSIDE PRINTING INC EIN 11-3177255 NONE | Copying and duplicating Service code 36 | — | $465K |
| J W MAYS INC. EIN 11-1059070 NONE | Other fees Service code 99 | — | $453K |
| VANGUARD GROUP STAFFING EIN 13-3854763 NONE | Finders' fees / placement fees Service code 61 | — | $450K |
| UNIVERSAL PROTECTION SERVICE, LP EIN 33-0973846 NONE | Other services Service code 49 | — | $445K |
| BIFF DUNCAN ASSOCIATES, INC EIN 36-4465318 NONE | Consulting (general) Service code 16 | — | $404K |
| DELL FINANCIAL SERVICES, LLC EIN 74-2825828 NONE | Other services Service code 49 | — | $402K |
| WIZCOM CORPORATION EIN 22-3437242 NONE | Other services Service code 49 | — | $400K |
| BCA WATSON RICE LLP EIN 26-1726741 NONE | Accounting (including auditing) Service code 10 | — | $398K |
| SCALABLE SYSTEMS INC. EIN 20-2838091 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $382K |
| G&P REALTY CO., LLC EIN 11-3354093 NONE | Other services Service code 49 | — | $382K |
| RAPID7 LLC EIN 74-3111935 NONE | Other fees Service code 99 | — | $381K |
| GLOBETORG, INC EIN 46-3499819 NONE | Consulting (general) Service code 16 | — | $364K |
| VERIZON BUSINESS FIOS EIN 23-2259884 NONE | Other services Service code 49 | — | $360K |
| KONICA MINOLTA BUSINESS USA INC EIN 13-1921089 NONE | Other services Service code 49 | — | $349K |
| DELL MARKETING LP EIN 74-2616805 NONE | Other services Service code 49 | — | $344K |
| VERIZON WIRELESS SERVICES LLC EIN 22-3723921 NONE | Other services Service code 49 | — | $318K |
| CROWN CASTLE INTERNATIONAL CORP. EIN 76-0470458 NONE | Other services Service code 49 | — | $316K |
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 | 113,428 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43,073 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 156,501 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP SELECT CARE | 2,964 | $859K |
| Dental(5 contracts, 4 carriers) | EMBLEM HEALTH | 210,795 | $73.9M |
| Life insurance(3 contracts, 2 carriers) | AMALGAMATED LIFE INSURANCE COMPANY | 150,207 | $11.0M |
| Short-term disability(2 contracts) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 99 | $89K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 84 | $35K |
| Other(2 contracts) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,726 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210,795 | — |
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.