| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE CARE INTERNATIONAL3 Filed as: CORPORATE CARE INTERNATIONAL INC | 2975 WESTCHESTER AVENUE, SUITE 403 PURCHASE, NY 105772518 | UNITEDHEALTHCARE INSURANCE COMPANY | $167K | — | $167K | 1.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLINGTON TRUST COMPANY, N.A. EIN 04-2755549 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $586K |
| WELLS FARGO BANK, N.A. EIN 41-6257133 NONE | Custodial (securities) Service code 19 | — | $166K |
| GALLIARD CAPITAL MANAGEMENT, INC. EIN 41-1813702 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $142K |
| LSV ASSET MANAGEMENT NONE | Investment management; Investment management fees paid directly by plan Service code 28 | 155 N. WACKER DRIVE, SUITE 4600 CHICAGO, IL 60606 | $57K |
| STATE STREET BANK AND TRUST COMPANY NONE | Investment management; Investment management fees paid directly by plan Service code 28 | ONE LINCOLN STREET, 8TH FLOOR BOSTON, MA 02111 | $53K |
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 | 464 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,059 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 27 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,550 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 729 | $12.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 69 | $331K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 69 | $331K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 729 | $12.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 729 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.