No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CGLIC EIN 06-0303370 NONE | Insurance services Service code 23 | — | $304K |
| MSPC EIN 22-2951202 NONE | Accounting (including auditing) Service code 10 | 340 NORTH AVENUE EAST CRANFORD, NJ 07016 | $24K |
| BASIL CASTROVINCI ASSOCIATES EIN 13-2831500 NONE | Claims processing; Actuarial Service code 11 | — | $21K |
| METS SCHIRO AND MCGOVERN EIN 75-3116930 NONE | Legal Service code 29 | — | $19K |
| MD SASS EIN 13-2704843 NONE | Investment management fees paid directly by plan Service code 51 | — | $16K |
| BROADWAY VERONA EIN 22-2087521 RELATED ENTITY | Other fees Service code 99 | — | $11K |
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 | 229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 155 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 384 | $44K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 384 | $44K |
| Other | HARTFORD LIFE AND ACCIDENT | 384 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 384 | — |
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.