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| Provider | Services | Address | Compensation |
|---|---|---|---|
| CYNTHIA SOCCI EIN 13-6604595 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $26K |
| KHAN OPTON, LLP EIN 13-3326111 NONE | Legal; Direct payment from the plan Service code 29 | — | $21K |
| CALIBRE CPA GROUP, PLLC EIN 47-0900880 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $18K |
| FIRST ACTUARIAL CONSULTING TEAM,LLC EIN 26-3842522 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $18K |
| O'DWYER & BERNSTEIN LLP EIN 13-5286665 NONE | Legal; Direct payment from the plan Service code 29 | — | $10K |
| INVESTMENT CONSULTING SERVICE, LLC EIN 32-0016703 NONE | Consulting (general); Investment management fees paid directly by plan Service code 16 | — | $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 | 51 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 51 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 61 | $5K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 61 | $5K |
| Other | HARTFORD LIFE AND ACCIDENT | 61 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 61 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.