See the carriers, broker commissions and premiums for this plan.
It also shows filing history and funding margin. Your first month is $4.99.
See 2 contract rows with premium, retention and renewal dates. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
See commissions and fees for 1 broker row. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MVP SELECT CARE INC EIN 14-1704347 NONE | Contract Administrator; Claims processing Service code 12 | 625 STATE STREET SCHENECTADY, NY 12305 | $215K |
| STEPHEN O'SICK EIN 14-1461803 EMPLOYEE | Plan Administrator; Employee (plan) Service code 14 | 300 CENTRE DRIVE ALBANY, NY 12203 | $88K |
| TEAL BECKER & CHIARAMONTE CPAS PC EIN 14-1624930 NONE | Accounting (including auditing) Service code 10 | 7 WASHINGTON SQUARE ALBANY, NY 12205 | $67K |
| BLITMAN & KING EIN 16-1047304 NONE | Legal Service code 29 | 800 TROY SCHENECTADY RD LATHAM, NY 12110 | $59K |
| MARIE GRAY EIN 14-1461803 EMPLOYEE | Employee (plan) Service code 30 | 300 CENTRE DRIVE ALBANY, NY 12203 | $55K |
| MEGHAN LEFSYK EIN 14-1461803 EMPLOYEE | Employee (plan) Service code 30 | 300 CENTRE DRIVE ALBANY, NY 12203 | $54K |
| MILLIMAN USA EIN 91-0675641 NONE | Actuarial Service code 11 | 250 WASHINGTON AVE. EXT. ALBANY, NY 12203 | $51K |
| MICHELE DOUGHTIE EIN 14-1461803 EMPLOYEE | Employee (plan) Service code 30 | 300 CENTRE DRIVE ALBANY, NY 12203 | $37K |
| CAROL YERG EIN 14-1461803 EMPLOYEE | Employee (plan) Service code 30 | 300 CENTRE DRIVE ALBANY, NY 12203 | $37K |
| LISA WALLIN EIN 14-1461803 EMPLOYEE | Employee (plan) Service code 30 | 300 CENTRE DRIVE ALBANY, NY 12203 | $33K |
| DECUSOFT EIN 02-0643827 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 70 HILLTOP ROAD, SUITE 1003 RAMSEY, NJ 07446 | $29K |
| KARPUS INVESTMENT MANAGEMENT EIN 16-1290558 NONE | Investment management fees paid directly by plan; Soft dollars commissions Service code 51 | 183 SULLYS TRAIL PITTSFORD, NY 14534 | $23K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 20-8764829 NONE | Direct payment from the plan; Other commissions; Custodial (securities); Recordkeeping fees; Other fees; Other services; Securities brokerage; Other investment fees and expenses; Investment advisory (plan); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 300 LINDEN OAKS SUITE 200 ROCHESTER, NY 14625 | $20K |
| EXPRESS SCRIPTS, INC. EIN 22-3461740 NONE | Contract Administrator; Claims processing Service code 12 | — | $17K |
| MORGAN STANLEY SMITH BARNEY - UMA EIN 20-8764829 NONE | Investment management Service code 28 | 300 LINDEN OAKS SUITE 200 ROCHESTER, NY 14625 | $12K |
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 | 400 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 57 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 457 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNION LABOR LIFE INSURANCE CO. | 713 | $67K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 527 | $433K |
| Other | UNION LABOR LIFE INSURANCE CO. | 713 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 713 | — |
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.