Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingTotal premium grew more than 20% over the prior year. The plan is a good candidate to re-shop its carriers.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan has rich benefits or a bad rate.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
PPOStop-loss | PPOStop-loss | |
Broker: The Segal Company Inc Other | Other | |
Life | Life | |
LifeOther | LifeOther |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 5 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 645 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 374 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,019 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 1,025 | $386K |
| Stop-loss / reinsurancereinsurance | ANTHEM BLUE CROSS BLUE SHIELD | 0 | $0 |
| Other(2 contracts, 2 carriers) | THE NORTH RIVER INSURANCE COMPANY | 1,019 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,025 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
| Broker | Commissions |
|---|---|
Carrier: The North River Insurance Company |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE, INC EIN 23-7391136 NONE | Other services; Contract Administrator; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Investment management fees paid directly by plan Service code 12 | — | $517K |
| LOCAL 21 ADMINISTRATIVE FUND NONE | Direct payment from the plan; Other fees Service code 50 | 1024 MCKINLEY STREET PEEKSKILL, NY 10566 | $323K |
| THE SEGAL COMPANY, INC. EIN 13-4835864 NONE | Insurance brokerage commissions and fees; Actuarial Service code 11 | — | $88K |
| MSPC EIN 22-2951202 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $45K |
| BARNES, IACCARINO, SHEPHERD LLP EIN 13-4212610 NONE | Legal; Direct payment from the plan Service code 29 | — | $28K |
| DMI BOOKKEEPING & ACCOUNTING EIN 20-2400574 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $11K |
| REYNOLDS CONSULTING SERVICES LLC EIN 11-2558102 NONE | Consulting (general); Investment management fees paid directly by plan Service code 16 | 410 JERICHO TURNPIKE JERICHO, NY 11753 | $9K |
| STACEY BRAUN EIN 13-2889432 NONE | Soft dollars commissions; Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | — | $7K |
| BOLTON PARTNERS NONE | Investment management fees paid directly by plan; Actuarial Service code 11 | 2202 N WESTSHORE BLVD, SUITE 200 TAMPA, FL 33607 | $5K |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
1 contact
10 filings · 2016 to 2025