| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 | 1133 WESTCHESTER AVE STE S229 WHITE PLAINS, NY 10604 | STANDARD INSURANCE COMPANY | $19K | — | $19K | 7.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TENJ WELFARE FUND EIN 22-1461069 REL EMPLOYEE BEN PLAN | Other services Service code 49 | — | $712K |
| HORIZON HEALTHCARE SERVICES, INC. EIN 22-0999690 PROVIDES SRVS FOR REL EBP | Claims processing Service code 12 | — | $562K |
| TC3 HEALTH INC EIN 45-3637794 PROVIDES SRVS FOR REL EBP | Consulting (general) Service code 16 | — | $165K |
| THE SEGAL COMPANY EIN 13-1835864 PROVIDES SRVS FOR REL EBP | Actuarial Service code 11 | — | $93K |
| COHEN,LEDER,MONTALBANO & CONNAUGHTO EIN 41-2044610 PROV SRVS REL ORG & EBP | Legal Service code 29 | — | $52K |
| BUCHBINDER TUNICK & COMPANY LLP EIN 13-1578842 PROVIDES SRVS FOR REL EBP | Accounting (including auditing) Service code 10 | — | $31K |
| EXPRESS SCRIPTS, INC EIN 43-1420563 PROVIDES SRVS FOR REL EBP | Claims processing Service code 12 | — | $25K |
| MEKETA INVESTMENT GROUP, INC. EIN 04-2659023 PROVIDES SRVS FOR REL EBP | Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | — | $23K |
| INNOVATIVE SOFTWARE SOLUTIONS EIN 23-2182079 PROVIDES SRVS FOR REL EBP | Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $18K |
| OFFICE TEAM EIN 94-1648752 PROVIDES SRVS FOR REL EBP | Other services Service code 49 | — | $10K |
| FAIR HEALTH, INC. EIN 90-0524293 PROVIDES SRVS FOR REL EBP | Consulting (general) Service code 16 | — | $7K |
| STATE STREET BANK & TRUST COMPANY EIN 04-1867445 PROVIDES SRVS FOR REL EBP | Investment management; Custodial (securities); Other fees Service code 19 | — | $5K |
| SEGAL SELECT INSURANCE | Insurance brokerage commissions and fees Service code 53 | — | $3K |
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 | 1,153 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 1,914 | $249K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,914 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,914 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.