No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE, INC. EIN 23-7391136 | Float revenue; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator; Claims processing Service code 12 | — | $2.3M |
| EXPRESS SCRIPTS, INC EIN 43-1420563 | Direct payment from the plan; Claims processing; Other fees; Contract Administrator Service code 12 | — | $131K |
| PETER J. RUFFNER EIN 13-6211854 | Employee (plan) Service code 30 | — | $105K |
| VITECH SYSTEMS GROUP EIN 13-3785492 | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $98K |
| LOUISE FURIO EIN 13-6211854 | Employee (plan) Service code 30 | — | $51K |
| SEGAL SELECT INSURANCE SERVICES EIN 46-0619194 | Insurance services; Direct payment from the plan Service code 23 | — | $44K |
| ROGER ROSS EIN 13-6211854 | Employee (plan) Service code 30 | — | $40K |
| KEVIN J. DRISCOLL EIN 13-6211854 | Employee (plan) Service code 30 | — | $40K |
| FRANCES MCCANN EIN 13-6211854 | Employee (plan) Service code 30 | — | $37K |
| LAPADULA, CARLSON & CO. CPA EIN 65-0292391 | Accounting (including auditing) Service code 10 | — | $29K |
| SABINA WRIGHT EIN 13-6211854 | Employee (plan) Service code 30 | — | $25K |
| SEGAL MARCO ADVISORS EIN 13-2466110 | Investment management fees paid directly by plan; Investment advisory (plan); Consulting fees Service code 27 | — | $15K |
| INTEGRITY PHARMACEUTICAL ADVISORS, EIN 45-3047652 | Direct payment from the plan; Actuarial Service code 11 | — | $14K |
| STEIN & STEIN, ATTORNEYS AT LAW EIN 11-3229754 | Legal; Direct payment from the plan Service code 29 | — | $12K |
| THE SEGAL COMPANY EIN 13-1835864 | Direct payment from the plan; Actuarial Service code 11 | — | $12K |
| RICHARD S, BROOK EIN 11-2543273 | Legal; Direct payment from the plan Service code 29 | — | $11K |
| CHUBB & SON EIN 13-1963496 | Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $11K |
| SEGAL SELECT INSURANCE | Insurance brokerage commissions and fees Service code 53 | — | $8K |
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 | 2,500 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 401 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 2,901 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 6,569 | $4.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,277 | $295K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 3,277 | $295K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,569 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.