| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAMPART BENEFIT PLANNING INC3 | 1983 MARCUS AVE SUITE C130 LAKE SUCCESS, NY 11042 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $12K | $28K | 8.57% |
| RAMPART BENEFIT PLANNING INC3 | 1983 MARCUS AVE SUITE C130 LAKE SUCCESS, NY 11042 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | $9K | $31K | 15.29% |
| RAMPART BENEFIT PLANNING INC3 | 1983 MARCUS AVE SUITE C130 LAKE SUCCESS, NY 11042 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $9K | $19K | 10.71% |
| RAMPART BENEFIT PLANNING INC3 | 1983 MARCUS AVE SUITE C130 LAKE SUCCESS, NY 11042 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $7K | $14K | 10.30% |
| RAMPART BENEFIT PLANNING INC3 | 1983 MARCUS AVE SUITE C130 LAKE SUCCESS, NY 11042 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $4K | $13K | 21.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE BLUE CROSS BLUE SHIELD EIN 23-7391136 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $39.5M |
| DELTA DENTAL NONE | Direct payment from the plan; Contract Administrator Service code 13 | PO BOX 2105 MECHANICSBURG, PA 17055 | $2.6M |
| INDEPENDENCE BLUE CROSS NONE | Direct payment from the plan; Contract Administrator Service code 13 | 1901 MARKET STREET PHILADELPHIA, PA 19103 | $2.5M |
| SCHULTHEIS AND PANETTIERI LLP EIN 13-6841620 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $1.5M |
| VITECH SYSTEMS GROUP EIN 13-3785492 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $1.2M |
| H AND H GRAPHIC PRINTING COMMUNICAT EIN 06-1648637 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $1.1M |
| RAAB STURM AND GANCHROW LLP EIN 13-1566077 NONE | Legal; Direct payment from the plan Service code 29 | — | $905K |
| CVS CAREMARK EIN 05-0494040 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $674K |
| STATE STREET GLOBAL ADVISORS EIN 20-0159660 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $398K |
| PROSKAUER ROSE LLP EIN 13-1840454 NONE | Legal; Direct payment from the plan Service code 29 | — | $375K |
| PRIMUS HIGH YIELD BOND NONE | Investment management fees paid directly by plan; Direct payment from the plan Service code 50 | 461 FIFTH AVE 22ND FLOOR NEW YORK, NY 10017 | $298K |
| ROTHSTEIN, SARA EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $242K |
| GOLDBERGER, PETER EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $235K |
| TAMARI, FARNAZ EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $225K |
| LSV ASSET MANAGEMENT EIN 23-2772200 NONE | Direct payment from the plan; Investment management fees paid directly by plan Service code 50 | — | $212K |
| CRAWFORD, CONNIE EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $197K |
| ORMSBY, THOMAS EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $196K |
| KHANGULOV, VICTOR EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $191K |
| SEGAL COMPANY EIN 13-1835864 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $191K |
| POMMELLS, ELAINE EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $181K |
| JENKINS, STEVE EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $180K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $177K |
| GANDLER, RACHEL EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $175K |
| SIMOCA, MARIANA EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $174K |
| GURRANT, ELIZABETH EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $172K |
| SYED, ASMAT EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $172K |
| LITWIN, ADAM EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $172K |
| FARBER, RANDI S EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $171K |
| BHATTACHAN, SACHI EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $171K |
| MANOHAR, VANESSA EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $170K |
| TOOMEY, KEVIN J EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $170K |
| RIMKUS, UTA EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $162K |
| HAN, JESSIE EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $150K |
| MCCULLOUGH, CAROLYN V EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $149K |
| WITHUMSMITH AND BROWN PC EIN 22-2027092 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $147K |
| CORE BTS INC EIN 20-3873764 NONE | Other services; Direct payment from the plan Service code 49 | — | $147K |
| GALDRI, ALBERTA EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $145K |
| GAPINSKA, MALGORZATA EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $145K |
| LAVERTY JR, ROY H EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $141K |
| ROSARIO, KRYSTYNA EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $137K |
| CONCIATORI, LAURA EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $137K |
| LANGUAGE LINE TRANSLATION SOLUTIONS NONE | Other services; Direct payment from the plan Service code 49 | 1400 K ST NW SUITE 905 WASHINGTON, DC 20005 | $137K |
| FERNANDEZ, MARIALYS EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $135K |
| GURUNG, SULOCHANA EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $134K |
| MADRID, JESSICA EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $134K |
| BITA, SORINA EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $133K |
| MOUNT VERNON PRINTING COMPANY EIN 52-1193840 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $132K |
| COHEN, RACHEL EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $132K |
| BIKOFF, DANIEL R EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $131K |
| KONG, MING EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $131K |
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 | 111,609 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,133 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 114,742 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 1,131 | $6.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 115,264 | $9.8M |
| Short-term disability(5 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 4,807 | $910K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 115,264 | $9.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115,264 | — |
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.