See 2 carrier contracts with Solo.
Solo shows premium, covered lives, retention and the policy renewal window for each contract. $4.99 for your first month, then $34.99 a month. Cancel any time.
See commissions and fees for 2 broker rows with Solo.
Solo shows the commissions and fees paid to each broker on this plan. $4.99 for your first month, then $34.99 a month. Cancel any time.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE, INC. EIN 23-7391136 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Float revenue; Claims processing; Contract Administrator Service code 12 | 1 LIBERTY PLAZA NEW YORK, NY 10006 | $409K |
| CHRISTOPHER BAXTER EIN 14-1418020 EMPLOYEE | Employee (plan) Service code 30 | 37 LUZERNE ROAD QUEENSBURY, NY 12801 | $82K |
| KETHEM NOVICK EIN 14-1418020 EMPLOYEE | Employee (plan) Service code 30 | 37 LUZERNE ROAD QUEENSBURY, NY 12804 | $52K |
| BOLTON PARTNERS NORTHEAST, INC. EIN 27-3666661 NONE | Actuarial Service code 11 | 2277 STATE HIGHWAY 33 SUITE 409 TRENTON, NJ 08690 | $44K |
| BOSTON PARTNERS EIN 98-0202744 NONE | Investment management Service code 28 | 1 BEACON STREET 30TH FLOOR BOSTON, MA 02108 | $27K |
| ATALANTA SOSNOFF EIN 20-0461050 NONE | Investment management Service code 28 | 101 PARK AVE NEW YORK, NY 10178 | $25K |
| LOOMIS SAYLES EIN 04-3200030 NONE | Investment management Service code 28 | 1384 OLD FREEPORT ROAD, SUITE A2 PITTSBURGH, PA 15238 | $21K |
| POZEFSKY, BRAMLEY & MURPHY EIN 14-1601487 NONE | Legal Service code 29 | 90 STATE STREET ALBANY, NY 12207 | $18K |
| D'ARCANGELO & CO., LLP EIN 13-2550103 NONE | Accounting (including auditing) Service code 10 | 120 LOMOND COURT UTICA, NY 13502 | $14K |
| MERRILL LYNCH EIN 13-5674085 NONE | Investment management; Securities brokerage; Sub-transfer agency fees Service code 28 | 250 VESEY STREET NEW YORK, NY 10281 | $10K |
| HUGH JOHNSON ADVISORS, LLC EIN 43-2063831 NONE | Investment management Service code 28 | 80 STATE STREET ALBANY, NY 12207 | $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 | 306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 62 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 43 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE INC | 262 | $2.7M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE INC | 262 | $2.7M |
| Stop-loss / reinsurancereinsurance(2 contracts) | EMPIRE HEALTHCHOICE ASSURANCE INC | 262 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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 top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan is either richly funded or stuck with a bad rate.