No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FRANK M. VACCARO & ASSOCIATES, INC. EIN 23-2148108 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $1.0M |
| HORIZON HEALTHCARE SERVICES, INC. EIN 22-0999690 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $970K |
| THOMAS NESTOPOULOUS EIN 22-3052612 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $116K |
| NOVAK FRANCELLA, LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $100K |
| PASCO INVESTMENT ADVISORS, INC. EIN 22-3326624 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $67K |
| O'BRIEN, BELLAND & BUSHINSKY, LLC EIN 37-1467056 NONE | Legal; Direct payment from the plan Service code 29 | — | $64K |
| ENJOLI HOLT EIN 22-3052612 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $43K |
| ALLIED TRADES ASSISTANCE PROGRAM EIN 23-2591093 NONE | Other fees; Direct payment from the plan Service code 50 | — | $41K |
| FOX ROTHSCHILD, LLP EIN 23-1404723 NONE | Legal; Direct payment from the plan Service code 29 | — | $26K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $21K |
| AMBASSADOR MEDICAL SERVICES EIN 22-3031438 NONE | Other fees; Direct payment from the plan Service code 50 | — | $16K |
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 | 2,307 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL SERVICES ORGANIZATION, INC | 737 | $391K |
| Vision | VISION BENEFITS OF AMERICA | 1,456 | $134K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,498 | $65K |
| Stop-loss / reinsurancereinsurance | HORIZON HEALTHCARE SERVICES, INC. | 1,498 | $1.3M |
| Other(3 contracts, 3 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 1,498 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,498 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.