No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FRANK M. VACCARO & ASSOCIATES EIN 23-2148108 NONE | Contract Administrator; Direct payment from the plan; Other services Service code 13 | — | $110K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $24K |
| CHEIRON INC. EIN 13-4215617 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $22K |
| MARCO CONSULTING GROUP EIN 36-3555078 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $15K |
| NEWTOWER TRUST COMPANY EIN 30-0872552 NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | — | $15K |
| STRASSHEIM PRINTING CO., INC. NONE | Copying and duplicating; Direct payment from the plan Service code 36 | 1500 SPRING GARDEN STREET 225 PHILADELPHIA, PA 19130 | $14K |
| CLEARY & JOSEM LLP EIN 23-2657967 NONE | Legal; Direct payment from the plan Service code 29 | — | $13K |
| FUTURESCRIPTS NONE | Other services; Direct payment from the plan Service code 49 | 1901 MARKET STREET PHILADELPHIA, PA 19103 | $8K |
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 | 518 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 524 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QCC INSURANCE COMPANY | 1,362 | $8.1M |
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 473 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,362 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.