| 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 | $14K | $12K | $26K | 7.69% |
| RAMPART BENEFIT PLANNING INC3 | 1983 MARCUS AVE SUITE C130 LAKE SUCCESS, NY 11042 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $9K | $18K | 8.83% |
| RAMPART BENEFIT PLANNING INC3 | 1983 MARCUS AVE SUITE C130 LAKE SUCCESS, NY 11042 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $9K | $16K | 8.87% |
| RAMPART BENEFIT PLANNING INC3 | 1983 MARCUS AVE SUITE C130 LAKE SUCCESS, NY 11042 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $7K | $11K | 7.86% |
| RAMPART BENEFIT PLANNING INC3 | 1983 MARCUS AVE SUITE C130 LAKE SUCCESS, NY 11042 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $4K | $7K | 10.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE BCBS EIN 23-7391136 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $40.8M |
| DELTA DENTAL INSURANCE COMPANY NONE | Direct payment from the plan; Employee (plan) Service code 30 | 5073 RITTER ROAD MECHANICSBURG, PA 17055 | $2.9M |
| SCHULTHEIS AND PANETTIERI LLP EIN 13-6841620 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $1.6M |
| INDEPENDENCE BCBS NONE | Direct payment from the plan; Contract Administrator Service code 13 | 1901 MARKET STREET PHILADELPHIA, PA 19103 | $1.5M |
| VITECH SYSTEMS GROUP INC EIN 13-3785492 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $1.4M |
| H AND H GRAPHIC PRINTING COMMUNICAT EIN 06-1648637 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $1.2M |
| RAAB STURM AND GANCHROW LLP EIN 13-1566077 NONE | Legal; Direct payment from the plan Service code 29 | — | $1.1M |
| PROSKAUER ROSE LLP EIN 13-1840454 NONE | Legal; Direct payment from the plan Service code 29 | — | $483K |
| STATE STREET GLOBAL ADVISORS EIN 20-0159660 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $361K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $359K |
| TAMARI FARNAZ EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $301K |
| LSV ASSET MANAGEMENT EIN 23-2772200 NONE | Investment management fees paid directly by plan; Direct payment from the plan Service code 50 | — | $281K |
| ROTHSTEIN SARA EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $272K |
| PRIMUS HIGH YIELD NONE | Direct payment from the plan; Investment management fees paid directly by plan Service code 50 | 461 FIFTH AVENUE 22ND FLOOR NEW YORK, NY 10017 | $270K |
| MEILAK JACQUELINE EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $252K |
| KHANGULOV VICTOR EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $209K |
| ORMSBY THOMAS EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $204K |
| CRAWFORD CONNIE EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $202K |
| CLEMENT NICHOLAS EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $188K |
| FARBER RANDI S EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $181K |
| LITWIN ADAM EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $181K |
| GANDLER RACHEL EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $180K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $177K |
| GURRANT ELIZABETH EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $176K |
| TOOMEY KEVIN J EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $176K |
| SYED ASMAT EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $174K |
| MANOHAR VANESSA EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $173K |
| GALLAGHER FIDUCIARY ADVISORS LLC NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | 1667 K STREET SUITE 1270 WASHINGTON, DC 20006 | $171K |
| RIMKUS UTA EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $168K |
| LANGUAGE LINE TRANSLATION SOLUTIONS NONE | Other services; Direct payment from the plan Service code 49 | 1400 K STREET SUITE 905 WASHINGTON, DC 20005 | $168K |
| BREDHOFF AND KAISER PLLC EIN 52-0969534 NONE | Legal; Direct payment from the plan Service code 29 | — | $162K |
| HAN JESSIE EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $152K |
| GAPINSKA MALGORZATA EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $151K |
| GALDRI ALBERTA EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $150K |
| LAVERTY ROY H EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $148K |
| BHATTACHAN SACHI EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $147K |
| CONCIATORI LAURA EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $144K |
| GOODMAN BRYAN EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $143K |
| BIKOFF DANIEL R EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $139K |
| KONG MING EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $139K |
| ROSARIO KRYSTYNA EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $138K |
| TESTANI JACLYN EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $136K |
| BITA SORINA EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $136K |
| FERNANDEZ MARIALYS EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $136K |
| MADRID JESSICA EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $135K |
| BNY MELLON NONE | Custodial (securities); Investment management fees paid directly by plan Service code 19 | 240 GREENWICH STREET NEW YORK, NY 10286 | $134K |
| CORE BTS EFTEST EIN 20-3873764 NONE | Direct payment from the plan; Other services Service code 49 | — | $133K |
| DURAN GIL LAURA EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $131K |
| TYCHANSKI ANNA EIN 13-2928869 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $131K |
| CHEN QINAN EIN 13-2928869 EMPLOYEE | Employee (plan); Direct payment from the 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 | 112,414 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,804 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117,218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 1,103 | $6.5M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 118,201 | $11.1M |
| Short-term disability(5 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 4,809 | $913K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 118,201 | $11.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118,201 | — |
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.