No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FRANK M. VACCARO & ASSOCIATES EIN 23-2148108 NONE | Other services; Contract Administrator; Direct payment from the plan Service code 13 | — | $111K |
| IBEW LOCAL 98 HEALTH & WELFARE EIN 23-2082042 RELATED FUND | Other services; Direct payment from the plan Service code 49 | — | $28K |
| FUTURESCRIPTS NONE | Direct payment from the plan; Other services Service code 49 | 1650 ARCH STREET PHILADELPHIA, PA 19103 | $24K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $18K |
| MARCO CONSULTING GROUP EIN 36-3555078 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $12K |
| PNC BANK, N.A. EIN 25-1211909 NONE | Custodial (securities); Investment management fees paid directly by plan Service code 19 | — | $6K |
| NEWTOWER TRUST COMPANY EIN 20-1641876 NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | — | $6K |
| CLEARY & JOSEM LLP EIN 23-2657967 NONE | Legal; Direct payment from the plan Service code 29 | — | $6K |
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 | 402 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | 0 | $0 |
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 402 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 402 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.