See the carriers, broker commissions and premiums for this plan.
It also shows filing history and funding margin. Your first month is $4.99.
See 2 contract rows with premium, retention and renewal dates. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
See commissions and fees for 1 broker row. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE CO EIN 23-7391136 NONE | Insurance agents and brokers; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other commissions; Claims processing; Insurance brokerage commissions and fees; Contract Administrator; Direct payment from the plan Service code 12 | — | $483K |
| METROPOLITAN MANAGEMENT INC. EIN 45-3845437 NONE | Other fees; Direct payment from the plan Service code 50 | — | $254K |
| MELISSA VELAZQUEZ EIN 13-3562352 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $119K |
| JOSEPH RAMAGLIA EIN 13-3562352 EMPLOYEE | Recordkeeping fees; Employee (plan) Service code 30 | — | $107K |
| BRIDGEWAY BENEFIT TECHNOLOGIES EIN 52-1796473 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $100K |
| VIELKA ARIAS EIN 13-3562352 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $98K |
| KMR SYSTEMS CORP EIN 13-3192128 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $82K |
| PITTA LLP EIN 26-3852082 NONE | Legal; Direct payment from the plan Service code 29 | — | $60K |
| MARSHALL & MOSS,LLP EIN 11-3360166 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $58K |
| MARSHALL & MOSS,PAYROLL COMPLIANCE EIN 04-3652965 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $45K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $41K |
| NOVAK FRANCELLA, LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $32K |
| BARNES, IACCARINO, & SHEPERD LLP EIN 26-3858697 NONE | Legal; Direct payment from the plan Service code 29 | — | $31K |
| WORKFORCE ASSISTANCE PROGRAMS NONE | Direct payment from the plan; Other services Service code 49 | 211 EAST MAIN ST, 161 NEW ROCHELLE, NY 10801 | $30K |
| ADMINISTRATIVE SERVICES ONLY EIN 11-2995970 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $26K |
| LONG ISLAND SERVER SOLUTIONS NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | 1000 FORT SALONGA RD NORTHPORT, NY 11768 | $26K |
| IRON MOUNTAIN INC EIN 23-2588479 NONE | Other fees; Direct payment from the plan Service code 50 | — | $23K |
| CONTEGIX LLC EIN 23-2826293 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $12K |
| AMERICAN REALTY ADVISORS EIN 33-0123114 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $7K |
| REYNOLDS CONSULTING SERVICES, LLC EIN 20-1899564 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $7K |
| DANIEL H. COOK ASSOCIATES, INC. EIN 11-2424843 NONE | Investment management fees paid directly by plan; Contract Administrator Service code 13 | — | $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 | 643 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 648 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 742 | $34K |
| Stop-loss / reinsurancereinsurance | EMPIRE HEALTHCHOICE ASSURANCE INC | 1,661 | $3.2M |
| Other | SYMETRA LIFE INSURANCE COMPANY | 742 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,661 | — |
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 the prior year. Good candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultant sales target.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan is either richly funded or stuck with a bad rate.