No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WAGNER & ZWERMAN LLP EIN 11-2836481 ACCOUNTING | Accounting (including auditing); Direct payment from the plan Service code 10 | 450 WIRELESS BLVD HAUPPAUGE, NY 11788 | $20K |
| ORANSKY, SCARAGGI & BORG P.C. EIN 22-3522685 LEGAL | Legal; Direct payment from the plan Service code 29 | 175 FAIRFIELD AVENUE WEST CALDWELL, NJ 07006 | $12K |
| UBS FINANCIAL SERVICES INC. EIN 13-2638166 INVESTMENT CUSTODIAN | Investment management fees paid directly by plan; Custodial (securities) Service code 19 | 1285 AVENUE OF THE AMERICAS NEW YORK, NY 10019 | $6K |
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 | 232 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 208 | $2.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 208 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.