| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN H BLASCH3 | 71 BEECHWOOD LN BERKLEY HEIGHTS, NJ 07922 | SYMETRA LIFE INSURANCE COMPANY | $7K | $1K | $8K | 23.72% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE CO EIN 23-7391136 NONE | Direct payment from the plan; Other commissions; Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance agents and brokers; Other services; Claims processing; Insurance brokerage commissions and fees; Contract Administrator; Float revenue 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 | Employee (plan); Direct payment from the 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 | Direct payment from the plan; Employee (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 | Accounting (including auditing); Direct payment from the plan 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 | Direct payment from the plan; Actuarial Service code 11 | — | $41K |
| NOVAK FRANCELLA, LLC EIN 61-1436956 NONE | Accounting (including auditing); Direct payment from the plan 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 | Other services; Direct payment from the plan Service code 49 | 211 EAST MAIN ST, 161 NEW ROCHELLE, NY 10801 | $30K |
| ADMINISTRATIVE SERVICES ONLY EIN 11-2995970 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $26K |
| LONG ISLAND SERVER SOLUTIONS NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 1000 FORT SALONGA RD NORTHPORT, NY 11768 | $26K |
| IRON MOUNTAIN INC EIN 23-2588479 NONE | Direct payment from the plan; Other fees 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; Investment management fees paid directly by plan Service code 28 | — | $7K |
| REYNOLDS CONSULTING SERVICES, LLC EIN 20-1899564 NONE | Investment management fees paid directly by plan; Investment management 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 prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.