| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL STREET BOSTON, MA 021101700 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | — | $18K | 3.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| C & R CONSULTING EIN 13-3935364 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $453K |
| EMPIRE HEALTHCHOICE ASSURANCE INC EIN 23-7391136 NONE | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Direct payment from the plan Service code 12 | — | $335K |
| HORIZON ACTUARIAL SERVICES LLC EIN 26-1370698 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $123K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $50K |
| ALICARE MEDICAL MANAGEMENT EIN 13-3860528 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $44K |
| EXPRESS SCRIPTS, INC. EIN 22-3461740 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $39K |
| PROSKAUER ROSE LLP EIN 13-1840454 NONE | Legal; Direct payment from the plan Service code 29 | — | $35K |
| LEVY RATNER, P.C. EIN 13-3726314 NONE | Legal; Direct payment from the plan Service code 29 | — | $35K |
| DIANA ROSS NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 160 WEST END AVENUE, APT 24E NEW YORK, NY 10023 | $26K |
| PENN CAPITAL MANAGEMENT CO., INC. EIN 22-2796848 NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | — | $16K |
| H.J. KNIGHT INTERNATIONAL EIN 04-2960092 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $16K |
| QUAN-VEST CONSULTANTS INC. EIN 11-2559669 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $11K |
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 | 918 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 428 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 222 | $800K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 908 | $18K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 893 | $365K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 908 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.