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 4 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 4 broker rows. $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 INC EIN 23-7391136 NONE | Claims processing; Contract Administrator; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Float revenue Service code 12 | — | $236K |
| R. BASULTO EIN 13-5520944 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $119K |
| SCHULTHEIS & PANETTIERI, LLP EIN 13-1577780 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $99K |
| P. KIERNAN EIN 13-5520944 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $87K |
| S.D. FREDA EIN 13-5520944 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $71K |
| THE SEGAL CO (EASTERN STATES) INC EIN 13-1835864 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $50K |
| COLLERAN, O'HARA & MILLS LLP EIN 11-2940050 LEGAL | Legal; Direct payment from the plan Service code 29 | — | $42K |
| P. VARGAS EIN 13-5520944 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $23K |
| GUARDIAN LIFE INSURANCE EIN 13-5123390 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $19K |
| DECUSOFT, LLC EIN 02-0643827 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $13K |
| LABOR FIRST LLC EIN 06-1750191 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $7K |
| AMERICAN PORTFOLIOS ADVISORS EIN 11-3600438 INVESTMENT MANAGER | Investment management fees paid directly by plan; Investment management Service code 28 | — | $7K |
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 | 286 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 102 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY OF NEW YORK | 38 | $192K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 373 | $50K |
| Stop-loss / reinsurancereinsurance | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 332 | $293K |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 373 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 373 | — |
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.
The primary carrier changed from the prior filing. The plan is willing to move. Re-pitch on the next cycle.
The primary broker changed. The plan may take a second-look pitch.
Broker compensation exceeds 5% of premium. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.