| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GFI INSURANCE BROKERAGE3 | 140 BROADWAY, 41ST FLOOR NEW YORK, NY 10005 | EMPIRE HEALTHCHOICE HMO, INC. | $1K | $0 | $1K | 2.57% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 1133 WESTCHESTER AVENUE, SUITE S229 WHITE PLAINS, NY 10604 | EMPIRE HEALTHCHOICE HMO, INC. | $418 | $0 | $418 | 1.02% |
| SINGER NELSON CHARLMERS3 Filed as: SINGER NELSON CHARMLERS INC. | 1086 TEANECK ROAD TEANECK, NJ 07666 | EMPIRE HEALTHCHOICE HMO, INC. | $26 | $0 | $26 | 0.06% |
| MICHAELS NORMAN J AND ASSOC INC.3 | 75 NORTH CENTRAL AVENUE, SUITE 200 ELMSFORD, NY 10523 | EMPIRE HEALTHCHOICE HMO, INC. | $26 | $0 | $26 | 0.06% |
| GFI INSURANCE BROKERAGE3 | 140 BROADWAY, 41ST FLOOR NEW YORK, NY 10005 | N/A | $16K | $0 | $16K | — |
| MEDOVA HEALTHCARE5 Filed as: MEDOVA HEALTCARE | 345 N. RIVERVIEW STREET, SUITE 600 WICHITA, KS 67203 | N/A | $0 | $7K | $7K | — |
| RBI INSURANCE3 | 250 CROSSWAYS PARK DRIVE WOODBURY, NY 11797 | N/A | $6K | $0 | $6K | — |
| PHCS4 Filed as: MULTIPLAN INC. - PHCS | PO BOX 29380 NEW YORK, NY 100879380 | N/A | $0 | $6K | $6K | — |
| GFI INSURANCE BROKERAGE3 | 140 BROADWAY, 41ST FLOOR NEW YORK, NY 10005 | CARECONNECT | $2K | $0 | $2K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ISABEL VAZQUEZ EIN 13-4191811 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $90K |
| JOSE VEGA EIN 13-4191811 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $55K |
| GLORIA LARRONDO EIN 13-4191811 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $20K |
| ARMAO LLP EIN 46-2754053 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $18K |
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 | 174 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | EMPIRE HEALTHCHOICE HMO, INC. | 68 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 68 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.