No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FRANK M VACCARO & ASSOCIATES,INC EIN 23-2148108 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $492K |
| HEALTH MANAGEMENT SYSTEMS EIN 13-2770433 NONE | Other services; Direct payment from the plan; Consulting (general) Service code 16 | — | $63K |
| HEALTH MAP NONE | Other services; Direct payment from the plan Service code 49 | 14 AUTUMN ST, 4TH FLR BOSTON, MA 02215 | $50K |
| CHARTWELL INVESTMENT PARTNERS EIN 23-2891243 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $49K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $39K |
| CLEARY & JOSEM LLP EIN 23-2657967 NONE | Legal; Direct payment from the plan Service code 29 | — | $32K |
| NEWTOWER MANAGEMENT LLC NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | 7315 WISCONSIN AVE, STE 350W BETHESDA, MD 20814 | $25K |
| CHEIRON INC EIN 13-4215617 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $22K |
| JANUS HENDERSON EIN 43-1804048 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $14K |
| MARCO CONSULTING EIN 36-3555078 NONE | Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | — | $11K |
| ASB CAPITAL MANAGEMENT LLC EIN 80-0618452 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $11K |
| PENNS LANDING CATERERS EIN 23-2438238 NONE | Other services; Direct payment from the plan Service code 49 | — | $9K |
| US MOBILE HEALTH EXAMS NONE | Direct payment from the plan; Other services Service code 49 | 2950 HALCYON LN, STE 602 JACKSONVILLE, FL 32223 | $9K |
| THE PNC FINANCIAL SERVICES GROUP EIN 25-1435979 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $7K |
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 | 3,167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 967 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS AFFILIATES - PERSONAL CHOICE | 8,722 | $25.0M |
| Life insurance | AMALGAMATED LIFE | 3,001 | $247K |
| Prescription drug | INDEPENDENCE BLUE CROSS AFFILIATES - PERSONAL CHOICE | 8,722 | $23.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,722 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.