| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLIENT SOLUTIONS3 | 300 CORPORATE PARKWAY AMHERST, NY 14226 | AETNA LIFE INSURANCE CO. | $24K | — | $24K | 6.60% |
| ASSOCIATED CONSULTING GROUP INC3 | 147 UNION STREET BROOKLYN, NY 11231 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 2.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DANIEL H. COOK ASSOCIATES, INC. EIN 11-2424843 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $98K |
| KAUFF MCGUIRE & MARGOLIS, LLP NONE | Legal; Direct payment from the plan Service code 29 | 950 3RD AVENUE NEW YORK, NY 10022 | $88K |
| ASSOCIATED CONSULTING GROUP EIN 03-0406283 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $41K |
| CALIBRE CPA GROUP PLLC EIN 47-0900880 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $38K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $35K |
| O'DONOGHUE & O'DONOGHUE LLP NONE | Legal; Direct payment from the plan Service code 29 | 5301 WISCONSIN AVENUE NW WASHINGTON, DC 20015 | $30K |
| JEFFREY STEIN EIN 15-0422763 NONE | Direct payment from the plan; Named fiduciary Service code 31 | — | $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 | 304 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 652 | $156K |
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 817 | $58K |
| Short-term disability | AMALGAMATED LIFE INSURANCE COMPANY | 323 | $75K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 492 | $357K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 817 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.