Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingThe 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 has rich benefits or a bad rate.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 9 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 962 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 47 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,009 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 2 carriers) | EXCELLUS BLUECROSS BLUESHIELD | 737 | $15.6M |
| Dental | EXCELLUS BLUECROSS BLUESHIELD | 776 | $748K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,693 | $464K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Prescription drug(2 contracts) | EXCELLUS BLUECROSS BLUESHIELD | 737 | $15.6M |
| Other | HARTFORD LIFE AND ACCIDENT | 1,693 | $464K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,693 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
| Broker | Commissions |
|---|---|
Carrier: Excellus Bluecross Blueshield | |
Carrier: Hartford Life and Accident | |
Carrier: Metropolitan Life Insurance Company |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MANNING & NAPIER, INC. EIN 16-0995763 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $260K |
| BONADIO & CO., LLP EIN 16-1131146 NONE | Accounting (including auditing) Service code 10 | — | $157K |
| N. BURDICK EIN 16-0766976 FUND MANAGER | Direct payment from the plan; Employee (plan) Service code 30 | — | $122K |
| MODERN ADMINSTRATION SYSTEMS, LLC NONE | Direct payment from the plan; Other services Service code 49 | 3000 SOUTH LENOLA ROAD MAPLE SHADE, NJ 08052 | $99K |
| ASHER KELLY NONE | Legal; Direct payment from the plan Service code 29 | 25800 NORTHWESTERN HIGHWAY, ST 1100 SOUTHFIELD, MI 48075 | $92K |
| LIFETIME BENEFIT SOLUTIONS EIN 13-5581829 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $86K |
| P. MARCIANO EIN 16-0766976 BENEFIT SPECIALIST | Employee (plan) Service code 30 | — | $68K |
| D. EDIZEL EIN 16-0766976 ANNUITY SPECIALIST | Employee (plan); Direct payment from the plan Service code 30 | — | $67K |
| MORGAN STANLEY SMITH BARNEY EIN 11-3658445 NONE | Securities brokerage commissions and fees; Other services; Other investment fees and expenses; Direct payment from the plan; Other fees; Investment advisory (plan); Custodial (securities); Securities brokerage Service code 19 | — | $52K |
| U.A. LOCAL 13 BUILDING, INC. EIN 23-7358299 RELATED PARTY/RENT | Direct payment from the plan; Other services Service code 49 | — | $20K |
| PHOENIX GRAPHICS NONE | Other services; Direct payment from the plan; Copying and duplicating Service code 36 | 1525 EMERSON ST ROCHESTER, NY 14606 | $9K |
| KARPUS INVESTMENT MGMT EIN 16-1131146 NONE | Investment management; Direct payment from the plan Service code 28 | — | $6K |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
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11 filings · 2015 to 2025