| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSMED INS AGENCY INC3 | 500 MAMARONECK AVE SUITE 408 HARRISON, NY 10528 | GUARDIAN | $10K | — | $10K | 2.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE, INC EIN 23-7391136 | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Direct payment from the plan; Float revenue; Contract Administrator Service code 12 | — | $1.9M |
| HOUSE STAFF BENEFIT PLAN EIN 13-6203291 AFFILIATED BENEFIT PLAN | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $253K |
| CIR, SEIU EIN 13-2771401 AFFILIATED UNION | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $237K |
| STACEY BRAUN ASSOCIATES, INC EIN 13-2884932 | Investment management fees paid indirectly by plan; Investment management fees paid directly by plan Service code 51 | — | $190K |
| HEALTH PLAN SYSTEMS, INC. EIN 01-0589640 | Consulting (general); Direct payment from the plan Service code 16 | — | $125K |
| STEPHEN M PERLITSH EIN 13-3805593 | Legal; Direct payment from the plan Service code 29 | — | $70K |
| SEGAL COMPANY EIN 13-1835864 | Direct payment from the plan; Actuarial Service code 11 | — | $40K |
| KEENAN AND ASSOCIATES EIN 95-2798626 | Insurance brokerage commissions and fees; Direct payment from the plan Service code 50 | — | $32K |
| ROGOFF & COMPANY PC EIN 13-2688836 | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $32K |
| KMR SYSTEMS CORPORATION EIN 13-3192128 | Direct payment from the plan; Consulting (general) Service code 16 | — | $21K |
| HOLTZMAN HELFMAN LLP EIN 20-2560017 | Legal; Direct payment from the plan Service code 29 | — | $17K |
| BOHUNKA GOLDSTEIN EIN 20-0782535 | Legal; Direct payment from the plan Service code 29 | — | $15K |
| SEGAL MARCO ADVISORS EIN 13-2466110 | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $12K |
| KENNEDY, JENNIK & MURRAY, PC EIN 25-1919594 | Legal; Direct payment from the plan Service code 29 | — | $11K |
| EMPIRE HEALTHCHOICE HMO, INC. EIN 13-3874803 NONE | Other services; Claims processing; Contract Administrator; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 12 | — | $10K |
| LOCKTIGHT SOLUTIONS EIN 22-3825157 | Direct payment from the plan; Consulting (general) Service code 16 | — | $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 | 4,479 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 102 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,581 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 3,169 | $0 |
| Dental | GUARDIAN | 3,192 | $1.1M |
| Life insurance | GUARDIAN | 4,059 | $442K |
| Long-term disability | GUARDIAN | 4,059 | $442K |
| Stop-loss / reinsurancereinsurance | AMERICAN ALTERNATIVE INSURANCE CORPORATION | 3,183 | $881K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,059 | — |
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.