No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE, INC. EIN 23-7391136 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Other services; Contract Administrator Service code 12 | — | $711K |
| FITZSIMMONS ABRAMS, LLP EIN 13-2858927 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $204K |
| PROSKAUER ROSE LLP EIN 13-1840454 NONE | Legal; Direct payment from the plan Service code 29 | — | $112K |
| MARSHALL AND MOSS, LLP EIN 11-3360166 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $95K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $72K |
| CLAUDINE D KAY EIN 13-2878811 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $63K |
| JBM COMPUTER CONSULTANTS INC EIN 16-1173118 NONE | Direct payment from the plan; Other services Service code 49 | — | $58K |
| COLLERAN O'HARA & MILLS LLP EIN 11-2940050 NONE | Legal; Direct payment from the plan Service code 29 | — | $48K |
| CALIBRE CPA GROUP PLLC EIN 47-0900880 NONE | Direct payment from the plan Service code 50 | — | $41K |
| JENNIFER GARCIA EIN 13-2878811 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $38K |
| SYLVIA REYES EIN 13-2878811 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $30K |
| NATHAN & BERNSTEIN CPA, P.C. EIN 26-4717217 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $25K |
| REYNOLDS CONSULTING SERVICES, LLC EIN 20-1899564 NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | — | $13K |
| LOCKTIGHT SOLUTIONS, INC. NONE | Other services; Direct payment from the plan Service code 49 | 11 RIDGE RD CRESSKILL, NJ 07626 | $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 | 679 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 167 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 846 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 854 | $178K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | ZURICH AMERICAN INSURANCE COMPANY | 852 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 854 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.