| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| XCHANGES BENEFITSLLC3 | 45-47 SOUTH PARK BLVD GREENWOOD, IN 46143 | STOP LOSS COVERAGE | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE INC EIN 23-7391136 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Float revenue; Other services; Other fees; Claims processing Service code 12 | 165 BROADWAY NEW YORK, NY 10006 | $2.2M |
| C&R CONSULTING INC EIN 13-3935364 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | 1501 BROADWAY STE 1724 NEW YORK, NY 10036 | $222K |
| O'DWYER BERNSTEIN LLP EIN 13-5286665 NONE | Legal Service code 29 | 54 DUANE STREET NEW YORK, NY 10007 | $221K |
| LITTLER MENDELSON PC EIN 94-2602731 NONE | Legal Service code 29 | 290 BROADHOLLOW RD 305 MELVILLE, NY 11747 | $180K |
| CHARLES POEKEL JR EIN 13-1912506 EMPLOYEE | Employee (plan) Service code 30 | 36-36 33RD ST STE 202 LONG ISLAND CITY, NY 11106 | $113K |
| FITZSIMMONS ABRAMS, LLP EIN 13-2858927 NONE | Accounting (including auditing) Service code 10 | 7600 JERICHO TPKE STE 403 WOODBURY, NY 11797 | $108K |
| ANNA KUBAS EIN 13-1912506 EMPLOYEE | Employee (plan) Service code 30 | 36-36 33RD STREET, STE 20 LONG ISLAND CITY, NY 11106 | $92K |
| MARYANN FALCE EIN 13-1912506 EMPLOYEE | Employee (plan) Service code 30 | 36-36 33RD ST STE 202 LONG ISLAND CITY, NY 11106 | $82K |
| DAVID NIGAI EIN 13-1912506 EMPLOYEE | Employee (plan) Service code 30 | 36-36 33RD ST STE 202 LONG ISLAND CITY, NY 11106 | $62K |
| FIRST ACTUARIAL CONSULTING INC EIN 26-3842522 NONE | Actuarial Service code 11 | 1501 BROADWAY STE 1728 NEW YORK, NY 10036 | $60K |
| CPS DENTAL INC EIN 13-3541700 NONE | Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 11 HANOVER SQUARE 8TH FL NEW YORK, NY 10005 | $48K |
| CATHERINE WENZELL EIN 13-1912506 EMPLOYEE | Employee (plan) Service code 30 | 36-36 33RD ST STE 202 LONG ISLAND CITY, NY 11106 | $46K |
| MARIA DIAZ EIN 13-1912506 EMPLOYEE | Employee (plan) Service code 30 | 36-36 33RD STREET STE 202 LONG ISLAND CITY, NY 11106 | $36K |
| GARY HAHN EIN 13-1912506 EMPLOYEE | Employee (plan) Service code 30 | 36-36 33RD STREET STE 202 LONG ISLAND CITY, NY 11106 | $29K |
| MCCARTER & ENGLISH LLP NONE | Legal Service code 29 | 825 8TH AVENUE, 31ST FL NEW YORK, NY 10019 | $23K |
| REYNOLDS INVESTMENT CONSULTING SRVC EIN 20-1899564 NONE | Investment advisory (plan) Service code 27 | 410 JERICHO TPKE JERICHO, NY 11704 | $17K |
| COMPREHENSIVE PROFESSIONAL SYS INC EIN 13-3025997 NONE | Claims processing; Contract Administrator Service code 12 | 11 HANOVER SQUARE 8TH FL NEW YORK, NY 10005 | $11K |
| AMALGAMATED BANK EIN 13-4920330 NONE | Custodial (securities); Investment management fees paid directly by plan; Investment management fees paid indirectly by plan Service code 19 | 275 7TH AVENUE NEW YORK, NY 10001 | $11K |
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 | 3,812 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,837 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | EMPIRE HEALTHCHOICE ASSURANCE INC | 3,840 | $0 |
| Life insurance | ANTHEM LIFE & DISABILITY INSURANCE | 0 | $0 |
| Stop-loss / reinsurancereinsurance | STOP LOSS COVERAGE | 3,840 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,840 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.