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 4 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 7 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 |
|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES INSURANCE BROKER | Insurance brokerage commissions and fees Service code 53 | 35 PINELAWN ROAD 208E MELVILLE, NY 11747 | $141K |
| MOHAMED ARBAB EIN 13-1966980 EMPLOYEE | Employee (plan) Service code 30 | 889 BROADWAY BAYONNE, NJ 07002 | $77K |
| THE LAMBOS FIRM, LLP EIN 13-3864093 CO-COUNSEL | Legal Service code 29 | 300 SOUTH BROADWAY SUITE 410 TARRYTOWN, NY 10591 | $63K |
| FUIMAN MOGILA LLP EIN 93-1652658 CO-COUNSEL | Legal Service code 29 | 153 CENTRAL AVENUE PO BOX 3003 WESTFILED, NJ 07091 | $62K |
| RICHARD ROSSIELLO EIN 13-1966980 EMPLOYEE | Employee (plan) Service code 30 | 889 BROADWAY BAYONNE, NJ 07002 | $42K |
| DESENA & COMPANY CPAS EIN 20-0609534 AUDITOR | Accounting (including auditing) Service code 10 | 100 EAGLE ROCK AVENUE SUITE 100 EAST HANOVER, NJ 07936 | $29K |
| KATHY SCHIERECK EIN 13-1966980 ACCOUNTANT | Accounting (including auditing) Service code 10 | 889 BROADWAY BAYONNE, NJ 07002 | $14K |
| PREMIER BENEFIT PLANS INSURANCE BROKER | Insurance brokerage commissions and fees Service code 53 | 35 PINELAWN ROAD MELVILLE, NY 11747 | $13K |
| CYNOMYS, INC. EIN 82-2668930 ACTUARY | Actuarial Service code 11 | 16170 POPPY SEED CIRCLE DELRAY BEACH, FL 33484 | $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 | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 99 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 279 | $4.7M |
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA | 91 | $56K |
| Vision | AETNA LIFE INSURANCE COMPANY | 279 | $4.7M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 160 | $25K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 160 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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 comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultant sales target.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
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.