| 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 | $20K | — | $20K | 7.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TENJ WELFARE FUND EIN 22-1461069 REL EMPLOYEE BEN PLAN | Other services Service code 49 | — | $714K |
| HORIZON HEALTHCARE SERVICES, INC. EIN 22-0999690 PROVIDES SRVS FOR REL EBP | Contract Administrator Service code 13 | — | $516K |
| TC3 HEALTH INC EIN 45-3637794 PROVIDES SRVS FOR REL EBP | Other services Service code 49 | — | $255K |
| CHANGE HEALTHCARE SOLUTIONS LLC EIN 13-4346850 PROVIDES SRVS FOR REL EBP | Other services Service code 49 | — | $93K |
| THE SEGAL COMPANY EIN 13-1835864 PROVIDES SRVS FOR REL EBP | Actuarial Service code 11 | — | $74K |
| COHEN,LEDER,MONTALBANO & CONNAUGHTO EIN 41-2044610 PROV SRVS REL ORG & EBP | Legal Service code 29 | — | $70K |
| 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 | — | $52K |
| EXPRESS SCRIPTS, INC EIN 43-1420563 PROVIDES SRVS FOR REL EBP | Claims processing Service code 12 | — | $28K |
| BUCHBINDER TUNICK & COMPANY LLP EIN 13-1578842 PROVIDES SRVS FOR REL EBP | Accounting (including auditing) Service code 10 | — | $28K |
| ACCOUNTEMPS EIN 94-1648752 PROVIDES SRVS FOR REL EBP | Other services Service code 49 | — | $16K |
| JENDA TECHNOLOGY LLC EIN 45-5401009 PROVIDES SRVS FOR REL EBP | Other services Service code 49 | — | $12K |
| WEAVER C BARKSDALE AND ASSOC EIN 62-1217255 PROVIDES SRVS FOR REL EBP | Investment advisory (plan) Service code 27 | — | $10K |
| OFFICE TEAM EIN 94-1648752 PROVIDES SRVS FOR REL EBP | Other services Service code 49 | — | $10K |
| STATE STREET BANK & TRUST COMPANY EIN 04-1867445 PROVIDES SRVS FOR REL EBP | Custodial (securities); Other fees; Investment management Service code 19 | — | $9K |
| FAIR HEALTH, INC. EIN 90-0524293 PROVIDES SRVS FOR REL EBP | Consulting (general) Service code 16 | — | $7K |
| BAHL AND GAYNOR EIN 31-1297139 PROVIDES SRVS FOR REL EBP | Investment advisory (plan) Service code 27 | — | $5K |
| NEW AND KARFUNKEL, P.C. EIN 22-2553368 PROVIDES SRVS FOR REL EBP | Legal Service code 29 | — | $5K |
| SEGAL SELECT INSURANCE | Insurance brokerage commissions and fees Service code 53 | — | $4K |
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 | 1,277 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 1,923 | $264K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,923 | $287K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,923 | — |
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.