No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE, INC. EIN 23-7391136 NONE | Float revenue; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other fees Service code 12 | — | $1.1M |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $55K |
| KENNEDY, JENNIK & MURRAY, P.C. EIN 25-1919594 NONE | Legal; Direct payment from the plan Service code 29 | — | $50K |
| GAMCO ASSET MANAGEMENT EIN 13-4044521 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $38K |
| SITARA N. HINES EIN 13-2878811 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $35K |
| MARKOWITZ & RICHMAN EIN 23-2111581 NONE | Legal; Direct payment from the plan Service code 29 | — | $32K |
| STEINBERG, STECKLER & PICCIURRO, PC EIN 13-2665700 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $32K |
| BOYD WATTERSON NONE | Investment management; Investment management fees paid directly by plan Service code 28 | 1801 E. 9TH STREET, SUITE 1400 CLEVELAND, OH 44114 | $31K |
| CAROL A. STEPHENSON EIN 13-2878811 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $29K |
| SYLVIA REYES EIN 13-2878811 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $29K |
| JENNIFER GARCIA EIN 13-2878811 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $27K |
| GIOVANNA F. SERRANO EIN 13-2878811 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $27K |
| DONALD MCCALLION NONE | Legal; Direct payment from the plan Service code 29 | 222 BLOOMINGDALE ROAD, SUITE 308 WHITE PLAINS, NY 10605 | $25K |
| D'ARCANGELO & CO., LLP EIN 13-2550103 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $18K |
| FITZSIMMONS ABRAMS, LLP EIN 13-2858927 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $11K |
| REYNOLD CONSULTING SERVICES, LLC EIN 20-1899564 NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | — | $10K |
| AUDIT ASSOCIATES EIN 11-2836481 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $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 | 1,429 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,473 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 1,383 | $154K |
| Stop-loss / reinsurancereinsurance | U.S. FIRE INSURANCE COMPANY | 1,420 | $928K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,420 | — |
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 >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.