| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 99 PARK AVE. NEW YORK, NY 10016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 1.50% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 99 PARK AVE. NEW YORK, NY 10016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $44 | — | $44 | 1.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| C & R CONSULTING EIN 13-3935364 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $460K |
| EMPIRE BLUE CROSS EIN 23-7391136 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $287K |
| MILLIMAN NONE | Direct payment from the plan; Actuarial Service code 11 | ONE PENNSYLVANINA PLAZA, 38TH FLOOR NEW YORK, NY 10119 | $118K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $46K |
| MEYER, SUOZZI, ENGLISH & KLEIN, PC EIN 11-2340639 NONE | Legal; Direct payment from the plan Service code 29 | — | $36K |
| PROSKAUER ROSE LLP EIN 13-1840454 NONE | Legal; Direct payment from the plan Service code 29 | — | $32K |
| PRUDENTIAL TRUST CO. EIN 52-1679020 NONE | Investment management; Other investment fees and expenses; Investment management fees paid directly by plan Service code 28 | — | $28K |
| ALICARE MEDICAL MANAGEMENT EIN 13-3850528 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $26K |
| H.J. KNIGHT INTERNATIONAL NONE | Insurance agents and brokers; Investment management fees paid directly by plan Service code 22 | 30 BRAINTREE HILL OFFICE PART BRAINTREE, MA 02184 | $21K |
| DIANA ROSS NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 160 WEST END AVENUE, APT 24E NEW YORK, NY 10023 | $17K |
| PENN CAPITAL MANAGEMENT NONE | Investment management fees paid directly by plan; Investment management Service code 28 | THREE CRESENT DRIVE, SUITE 400 PHILADELPHIA, PA 19112 | $12K |
| QUAN-VEST CONSULTANTS INC. NONE | Investment management fees paid directly by plan; Investment management Service code 28 | 390 PLANDOME ROAD MANHASSET, NY 11030 | $10K |
| CARL YATES NONE | Direct payment from the plan; Consulting (general) Service code 16 | 95 RALPH ROAD NEW ROCHELLE, NY 10804 | $5K |
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 | 844 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 524 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE INC | 52 | $691K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 11 | $204K |
| Life insurance(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 827 | $72K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 123 | $53K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 123 | $53K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 836 | $294K |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 11 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 836 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.