No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORINNE SAVINO EIN 13-5623497 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $57K |
| SAVASTA AND COMPANY INC. EIN 13-3879959 NONE | Consulting (general); Direct payment from the plan; Actuarial Service code 11 | — | $53K |
| LAURA GEDULDIG EIN 13-5623497 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $50K |
| GOULD KOBRICK & SCHLAPP PC EIN 13-3082707 UNION AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $32K |
| LEVY RATNER P.C. EIN 13-3726314 NONE | Legal; Direct payment from the plan Service code 29 | — | $30K |
| GCIU LOCAL 119B UNION EIN 13-5274605 RELATED UNION | Direct payment from the plan; Other services Service code 49 | — | $19K |
| EMPIRE HEALTHCHOICE ASSURANCE INC EIN 23-7391136 NONE | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services Service code 12 | — | $19K |
| ZENITH AMERICAN SOLUTION EIN 52-1590516 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $0 |
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 | 51 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 71 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTCARE DELIVERY SYSTEMS | 36 | $20K |
| Stop-loss / reinsurancereinsurance | IOA RE, LLC | 52 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 52 | — |
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 prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.