No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CROSSROADS HEALTHCARE MANAGEMENT EIN 74-3064316 CLAIMS PROCESSOR | Claims processing; Direct payment from the plan Service code 12 | — | $248K |
| ROBIN MODZELEWSKI EIN 22-1736275 EMPLOYEE | Direct payment from the plan; Plan Administrator Service code 14 | — | $101K |
| BANK OF AMERICA EIN 94-1687665 CUSTODIAN | Custodial (securities); Direct payment from the plan Service code 19 | — | $65K |
| BARATZ & ASSOCIATES, P.A. EIN 22-2212404 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $54K |
| MARIA GARATE EIN 22-1736275 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $51K |
| RBC WEALTH MANAGEMENT EIN 41-1416330 ADVISOR | Investment management fees paid directly by plan; Investment management Service code 28 | — | $34K |
| SUMMIT ACTURIAL SERVICES LLC EIN 20-3838633 ACTUARY | Direct payment from the plan; Actuarial Service code 11 | — | $24K |
| METS SHIRO & MCGOVERN EIN 75-3116930 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $19K |
| JOHN HUMPHREY EIN 22-1736275 EMPLOYEE | Direct payment from the plan; Trustee (individual) Service code 20 | — | $19K |
| ANTHONY CUSANO EIN 22-1736275 CONSULTANT | Direct payment from the plan; Consulting (general) Service code 16 | — | $7K |
| FIRST STATE TRUST COMPANY EIN 13-3124172 CUSTODIAN | Direct payment from the plan; Custodial (securities) Service code 19 | — | $5K |
| BLACKROCK INVESTMENTS LLC EIN 13-3806694 | Other services; Investment management fees paid indirectly by plan Service code 49 | — | $0 |
| DOUBLELINE FUNDS TRUST | Investment management fees paid indirectly by plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Distribution (12b-1) fees Service code 15 | 333 SOUTH GRAND AVE LOS ANGELES, CA 90071 | $0 |
| MERRILL LYNCH EIN 13-5674085 CUSTODIAN | Investment management fees paid directly by plan; Investment management Service code 28 | — | $0 |
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 | 725 | 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) | 725 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMALGAMATED LIFE | 751 | $20K |
| Stop-loss / reinsurancereinsurance | AMALGAMTED LIFE | 777 | $273K |
| 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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.