| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE DBL CENTER LTD3 | 555 BROADHOLLOW RD #271 MELVILLE, NY 11747 | AMALGAMATED LIFE INSURANCE COMPANY | $7 | — | $7 | 4.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE BLUE CROSS AND BLUE SHIELD EIN 23-7391136 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $401K |
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $323K |
| CALIBRE CPA GROUP PLLC EIN 47-0900880 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $113K |
| ANA TANG EIN 13-6129427 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $101K |
| JOANN EMMONS EIN 13-6129427 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $98K |
| ANA MENDOZA EIN 13-6129427 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $49K |
| KLEIN ZELMAN ROTHERMEL JACOBS & SCH EIN 13-2998136 NONE | Legal; Direct payment from the plan Service code 29 | — | $49K |
| FIRST ACTUARIAL CONSULTING INC. EIN 42-1565552 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $44K |
| HEALTHPLEX, INC. EIN 11-2714365 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $31K |
| ALICARE EIN 13-3432221 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $30K |
| AMALGAMATED BANK EIN 13-4920330 NONE | Custodial (securities); Investment management fees paid directly by plan Service code 19 | — | $29K |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $27K |
| SEGAL MARCO ADVISORS EIN 13-2646110 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $10K |
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 | 1,342 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,350 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTCARE DELIVERY SYSTEMS | 466 | $499K |
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 730 | $20K |
| Short-term disability(2 contracts) | AMALGAMATED LIFE INSURANCE COMPANY | 4 | $438 |
| Stop-loss / reinsurancereinsurance | PARTNERRE AMERICA INSURANCE COMPANY (PRAIC) | 1,350 | $575K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,350 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.