See the carriers, broker commissions and premiums for this plan.
It also shows filing history and funding margin. Your first month is $4.99.
See 4 contract rows with premium, retention and renewal dates. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
See commissions and fees for 4 broker rows. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BASIL CASTROVINCI ASSOCIATES, INC. EIN 13-2831500 NONE | Plan Administrator; Direct payment from the plan Service code 14 | 36 HOPATCHUNG RD HOPATCONG, NJ 07843 | $38K |
| MANNING RUSSO, LLC EIN 06-1478265 ATTORNEY | Legal; Direct payment from the plan Service code 29 | 65 PONDFIELD RD 10 BRONXVILLE, NY 10708 | $24K |
| MSPC, CPAS AND ADVISORS, P.C. EIN 22-2951202 UNION AUDITORS | Accounting (including auditing); Direct payment from the plan Service code 10 | 546 FIFTH AVE 6TH FLOOR NEW YORK, NY 100365000 | $16K |
| GOULD, KOBRICK & SCHLAPP, P.C. EIN 13-3082707 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 192 LEXINGTON AVE FLOOR 7 NEW YORK, NY 10016 | $14K |
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 | 86 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 261 | $1.5M |
| Dental | AETNA LIFE INSURANCE CO. | 261 | $1.5M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 83 | $6K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 80 | $82K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 80 | $82K |
| Other | HARTFORD LIFE AND ACCIDENT | 80 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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 the prior year. Good candidate for re-shopping the carriers.
The primary broker changed. The plan may take a second-look pitch.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan is either richly funded or stuck with a bad rate.