| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMVENTURE INSURANCE AGENCY, INC.3 | 6001 COCHRAN ROAD SUITE 402 SOLON, OH 44139 | WESCO INSURANCE COMPANY | $17K | — | $17K | 1.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE INC. EIN 23-7391136 NONE | Other services; Claims processing; Direct payment from the plan; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $7.9M |
| VIRGINIA & AMBINDER LLP EIN 13-4166736 NONE | Legal; Direct payment from the plan Service code 29 | — | $2.0M |
| SCHULTHEIS & PANETTIERI LLP EIN 13-1577780 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $1.6M |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $1.2M |
| EXPRESS SCRIPTS INC EIN 22-3461740 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $989K |
| ADMINISTRATIVE SERVICES ONLY INC EIN 11-2995970 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $575K |
| DAVID STEWART EIN 13-5615576 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $372K |
| KAUFF MCGUIRE & MARGOLIS LLP EIN 13-3573855 NONE | Legal; Direct payment from the plan Service code 29 | — | $359K |
| INNOVATIVE SOFTWARE SOLUTIONS INC. EIN 23-2182079 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $327K |
| THE SEGAL COMPANY (EASTERN STATES) EIN 13-1835864 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $325K |
| ROBERT LESNIEWSKI EIN 13-5615576 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $319K |
| MUNICIPAL ASSET MANAGEMENT EIN 13-3751894 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $280K |
| WESTERN ASSET MANAGEMENT COMPANY EIN 52-1200960 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $261K |
| LOOMIS SAYLES TRUST COMPANY EIN 20-8080381 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $259K |
| HARVARD PROTECTION SERVICES LLC EIN 13-4127048 SECURITY PROVIDER | Other services; Direct payment from the plan Service code 49 | — | $242K |
| DAVID JACOBSEN EIN 13-5615576 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $183K |
| BMI AUDIT SERVICES LLC EIN 38-4091484 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $181K |
| BENJAMIN LAMBERT EIN 13-5615576 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $168K |
| ROGER E. MAHER ARBITRATOR | Legal; Direct payment from the plan Service code 29 | 23 83RD STREET BROOKLYN, NY 11209 | $158K |
| FORD HARRISON LLP EIN 58-1314995 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $148K |
| PAYDEN & RYGEL EIN 95-3921788 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $147K |
| GINO FIACCO EIN 13-5615576 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $140K |
| BANK OF NEW YORK MELLON EIN 13-5160382 NONE | Direct payment from the plan; Investment management fees paid indirectly by plan; Float revenue; Investment management fees paid directly by plan; Shareholder servicing fees; Custodial (securities) Service code 19 | — | $137K |
| FRANCES CONSIDINE EIN 13-5615576 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $136K |
| KRISTIN O'BRIEN EIN 13-5615576 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $129K |
| LAZARD ASSET MANAGEMENT LLC EIN 05-0530199 NONE | Investment management fees paid indirectly by plan; Investment management fees paid directly by plan; Investment management Service code 28 | — | $124K |
| MARLENE GROSSMAN EIN 13-5615576 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $121K |
| BRYCE HERNSDORF EIN 13-5615576 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $119K |
| WILLIAM DAVIDIAN EIN 13-5615576 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $118K |
| OLGA ALISHAYEVA EIN 13-5615576 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $116K |
| MONICA SCHMIDT EIN 13-5615576 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $112K |
| JILLIAN PADULA EIN 13-5615576 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $102K |
| GERARD MINETELLO EIN 13-5615576 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $98K |
| NICHOLAS VEGA EIN 13-5615576 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $96K |
| SEGAL SELECT INSURANCE SERVICES EIN 46-0619194 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $95K |
| TAMMY MOY EIN 13-5615576 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $93K |
| GINA LACEY EIN 13-5615576 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $92K |
| VIRGINIA GRAHAM EIN 13-5615576 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $90K |
| EILEEN SCHILLING EIN 13-5615576 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $88K |
| MATTHEW MCMAHON EIN 13-5615576 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $88K |
| STEVEN SOLAAS EIN 13-5615576 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $85K |
| STEVEN MARTINEZ EIN 13-5615576 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $84K |
| SENADA VELAJ EIN 13-5615576 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $84K |
| CHRISTOPHER OZARD EIN 13-5615576 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $84K |
| MAUREEN CLARKE EIN 13-5615576 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $82K |
| WILLIAM SCOTT SORGE EIN 13-5615576 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $81K |
| STATE STREET GLOBAL ADVISORS EIN 81-4017137 NONE | Investment management fees paid indirectly by plan; Custodial (other than securities); Investment management; Custodial (securities); Investment management fees paid directly by plan Service code 18 | — | $80K |
| EDWARD KISLIK EIN 13-5615576 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $80K |
| JOAN HANLEY EIN 13-5615576 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $79K |
| SONYA MITCHELL EIN 13-5615576 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $78K |
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 | 15,111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6,426 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 21,537 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 47,189 | $2.2M |
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 45,229 | $2.3M |
| Other(3 contracts, 3 carriers) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 45,229 | $13.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 47,189 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.