No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| C & R CONSULTING, INC. EIN 13-3935364 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $183K |
| PROSKAUER ROSE LLP EIN 13-1840454 NONE | Legal; Direct payment from the plan Service code 29 | — | $158K |
| EMPIRE HEALTH CHOICE ASSURANCE EIN 23-7391136 NONE | Other services; Claims processing; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $156K |
| MEYER, SUOZZI, ENGLISH & KLEIN EIN 11-2340639 NONE | Legal; Direct payment from the plan Service code 29 | — | $56K |
| FIRST ACTUARIAL CONSULTING, INC. EIN 26-3842522 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $49K |
| KAUFF KAUFF, MCGUIRE & MARGOLIS LLP EIN 13-3573855 NONE | Legal; Direct payment from the plan Service code 29 | — | $28K |
| ALICARE EIN 13-3432221 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $22K |
| SSP A DIVISION OF CALIBRE CPA GROUP EIN 47-0900880 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $22K |
| NOVAK FRANCELLA, LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $12K |
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 | 277 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 268 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 545 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 573 | $12K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 316 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 573 | — |
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 carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.