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 1 broker row 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 |
|---|---|---|---|
| CROSSROADS HEALTHCARE MANAGEMENT EIN 74-3064316 CLAIMS PROCESSOR | Claims processing; Direct payment from the plan Service code 12 | — | $251K |
| ROBIN MODZELEWSKI EIN 22-1736275 EMPLOYEE | Direct payment from the plan; Plan Administrator Service code 14 | — | $97K |
| MERRILL LYNCH EIN 13-5674085 CUSTODIAN | Investment management fees paid directly by plan; Investment management Service code 28 | — | $64K |
| MARIA GARATE EIN 22-1736275 EMPLOYEE | Employee (plan); Plan Administrator Service code 14 | — | $51K |
| FIRST STATE TRUST COMPANY EIN 13-3124172 CUSTODIAN | Investment management fees paid directly by plan; Custodial (securities) Service code 19 | — | $37K |
| BARATZ & ASSOCIATES, P.A. EIN 22-2212404 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $36K |
| RBC WEALTH MANAGEMENT EIN 41-1416330 ADVISOR | Investment management fees paid directly by plan; Investment management Service code 28 | — | $22K |
| JOHN HUMPHREY EIN 22-1736275 EMPLOYEE | Direct payment from the plan; Trustee (individual) Service code 20 | — | $20K |
| METS SHIRO & MCGOVERN EIN 75-3116930 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $13K |
| SUMMIT ACTURIAL SERVICES LLC EIN 20-3838633 ACTUARY | Actuarial; Direct payment from the plan Service code 11 | — | $12K |
| BANK OF AMERICA EIN 94-1687665 CUSTODIAN | Custodial (securities); Direct payment from the plan Service code 19 | — | $10K |
| ANTHONY CUSANO EIN 22-1736275 CONSULTANT | Consulting (general); Direct payment from the plan Service code 16 | — | $8K |
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 | 685 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 685 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMERICAN GENERAL LIFE INSURANCE COMPANY | 772 | $21K |
| Stop-loss / reinsurancereinsurance | AMALGAMTED LIFE | 777 | $266K |
| Other | AMERICAN GENERAL LIFE INSURANCE COMPANY | 772 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 777 | — |
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.
Schedule A changed between filings. The plan moved between insured and self-funded, or contracts were added or removed. The transition window is open.