| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES HAMM3 | 204 EAST 32ND STREET APT. SWF NEW YORK, NY 10016 | THE HARTFORD LIFE INSURANCE COMPANY | $4K | — | $4K | 11.28% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BASIL CASTROVINCI ASSOCIATES, INC. EIN 13-2831500 NONE | Consulting (general); Other fees; Plan Administrator; Claims processing Service code 12 | — | $292K |
| MULTIPLAN, INC EIN 13-3068979 NONE | Other fees Service code 99 | — | $90K |
| MANNING RUSSO, LLC EIN 06-1478265 NONE | Legal Service code 29 | — | $35K |
| PATRICK O'KEEFE NONE | Consulting (general) Service code 16 | P.O. BOX 74 WAPPINGER FALLS, NY 12590 | $30K |
| MSPC EIN 22-2951202 NONE | Accounting (including auditing) Service code 10 | — | $15K |
| AMALGAMATED BANK EIN 13-0920330 NONE | Custodial (securities) Service code 19 | — | $14K |
| BUCHBINDER TUNICK & COMPANY LLP EIN 13-1578842 NONE | Accounting (including auditing) Service code 10 | — | $9K |
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 | 558 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 63 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 26 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 647 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE HARTFORD LIFE INSURANCE COMPANY | 568 | $33K |
| Long-term disability | THE HARTFORD LIFE INSURANCE COMPANY | 568 | $36K |
| Other | THE HARTFORD LIFE INSURANCE COMPANY | 568 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 568 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.