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 9 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 733 broker rows. $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 |
|---|---|---|---|
| THE BUSINESS COUNCIL OF NYS, INC. EIN 14-1401680 GRANTOR | Insurance services Service code 23 | — | $1.9M |
| BST & CO., CPAS, LLP EIN 14-1442607 AUDIT | Accounting (including auditing) Service code 10 | — | $32K |
| JP MORGAN CHASE BANK NA COMMERCIAL BANKING | Investment management fees paid directly by plan Service code 51 | — | $24K |
| MICHAEL DOYLE EIN 14-6034807 TRUSTEE | Trustee (individual) Service code 20 | — | $22K |
| SIGMA CONSULTANTS, INC EIN 51-0265968 CONSULTANTS | Consulting (general) Service code 16 | — | $11K |
| BARCLAY DAMON LLP EIN 15-0339022 ATTORNEYS | Legal Service code 29 | — | $10K |
| HEIDI A. NAULEAU EIN 14-6034807 TRUSTEE | Trustee (individual) Service code 20 | — | $9K |
| BENEFIT ASSOCIATES, INC. EIN 95-3775762 ACCOUNTING | Other services Service code 49 | — | $8K |
| ROBERT NEIL EIN 14-6034807 TRUSTEE | Trustee (individual) Service code 20 | — | $7K |
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 | 151,182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,420 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152,602 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE COMPANY OF NY | 16,521 | $10.5M |
| Vision | AMERITAS LIFE INSURANCE CO OF NY | 7,319 | $779K |
| Life insurance | EQUITABLE LIFE INSURANCE COMPANY | 60,592 | $9.9M |
| Short-term disability(2 contracts) | EQUITABLE LIFE INSURANCE COMPANY | 20,957 | $4.1M |
| Long-term disability(2 contracts, 2 carriers) | EQUITABLE LIFE INSURANCE COMPANY | 23,439 | $5.4M |
| Other(3 contracts) | EQUITABLE LIFE INSURANCE COMPANY | 60,592 | $16.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 60,592 | — |
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. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.