| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IOA - INSURANCE OFFICE OF AMERICA3 Filed as: IOA RE | 190 WEST GERMANTOWN PIKE EAST NORRITON, PA 194011385 | US FIRE INSURANCE COMPANY | $24K | — | $24K | 5.00% |
| THE SEGAL COMPANY3 | 333 WEST 34TH STREET NEW YORK, NY 10001 | AMALGAMATED LIFE INSURANCE COMPANY | $6K | — | $6K | 6.41% |
| THE SEGAL COMPANY | 333 WEST 34TH STREET NEW YORK, NY 10001 | AMALGAMATED LIFE INSURANCE COMPANY | $501 | — | $501 | 0.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DANIEL H. COOK ASSOCIATES, INC. EIN 11-2424843 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $117K |
| UNITED HEALTHCARE INSURANCE COMPANY EIN 36-2739571 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $114K |
| THE SEGAL COMPANY (EASTERN STATES) EIN 13-1835864 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $70K |
| CALIBRE CPA GROUP PLLC EIN 47-0900880 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $59K |
| KAUFF MCGUIRE & MARGOLIS LLP EIN 13-3573855 NONE | Legal; Direct payment from the plan Service code 29 | — | $46K |
| VIRGINIA AND AMBINDER NONE | Legal; Direct payment from the plan Service code 29 | 40 BROAD STREET, 7TH FLOOR NEW YORK, NY 10004 | $26K |
| OPTUMRX, INC. EIN 33-0441200 NONE | Claims processing; Direct payment from the plan; Float revenue; Other fees Service code 12 | — | $5K |
| NEW ENGLAND PENSION CONSULTANTS EIN 26-1429809 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $5K |
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 | 216 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 652 | $91K |
| Short-term disability | AMALGAMATED LIFE INSURANCE COMPANY | 217 | $86K |
| Stop-loss / reinsurancereinsurance | US FIRE INSURANCE COMPANY | 226 | $481K |
| Other | AMALGAMATED LIFE INSURANCE COMPANY | 217 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 652 | — |
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.