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| Provider | Services | Address | Compensation |
|---|---|---|---|
| NATIONAL CLEANERS ASSOCIATION EIN 13-5562923 SPONSOR | Contract Administrator; Direct payment from the plan; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | 252 WEST 29TH STREET NEW YORK, NY 10001 | $68K |
| FEDERATION PENSION BUREAU EIN 13-1787163 FUND ADMINISTRATOR | Actuarial; Direct payment from the plan; Plan Administrator; Accounting (including auditing) Service code 10 | 255 WEST 34TH ST NEW YORK, NY 10122 | $55K |
| ARIA EMPLOYEE BENEFITS SERVICES INC CLAIMS PROCESSOR | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | 371 MERRICK ROAD, SUITE 403 ROCKVILLE CENTRE, NY 11570 | $49K |
| THE RMG GROUP, INC RECORDS KEEPER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | 151 1ST AVE, SUITE 61 NEW YORK, NY 10003 | $30K |
| ARMAO LLP EIN 46-2754053 AUDITORS | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $25K |
| LONNIE TISHMAN EIN 10-2386269 ATTORNEY | Legal; Direct payment from the plan Service code 29 | P.O.BOX 340 WHITE PLAINS, NY 10603 | $22K |
| RAYMOND JAMES, INC. EIN 59-1237041 INVESTMENT MANAGER | Investment management fees paid directly by plan; Direct payment from the plan; Investment management Service code 28 | 1133 AVENUE OF THE AMERICAS, SUITE NEW YORK, NY 10001 | $17K |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 53 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | SUNLIFE AND HEALTH INSURANCE COMPANY | 203 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.