| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 0 | — | AMALGAMATED LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE, INC. EIN 23-7391136 NONE | Direct payment from the plan; Claims processing; Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue Service code 12 | — | $413K |
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $284K |
| ANA TANG EIN 13-6129427 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $119K |
| CALIBRE CPA GROUP PLLC EIN 47-0900880 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $78K |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $63K |
| ANA MENDOZA EIN 13-6129427 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $57K |
| FIRST ACTUARIAL CONSULTING INC. EIN 26-3842522 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $44K |
| KLEIN ZELMAN ROTHERMEL JACOBS EIN 13-2998136 NONE | Legal; Direct payment from the plan Service code 29 | — | $33K |
| HEALTHPLEX, INC EIN 11-2714365 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $32K |
| JOANN EMMONS EIN 13-6129427 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $30K |
| ALICARE MEDICAL MANAGEMENT, INC. EIN 13-3432221 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $30K |
| AMALGAMATED BANK EIN 13-4920330 NONE | Investment management fees paid directly by plan; Custodial (securities) Service code 19 | — | $20K |
| SEGAL MARCO ADVISORS EIN 13-2646110 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $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 | 1,232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTCARE DELIVERY SYSTEMS | 400 | $397K |
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 567 | $17K |
| Stop-loss / reinsurancereinsurance | PARTNERRE AMERICA INSURANCE COMPANY (PRAIC) | 1,244 | $1.1M |
| Other | AMALGAMATED LIFE INSURANCE COMPANY | 6 | $732 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,244 | — |
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."
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.