See the carriers, broker commissions and premiums for this plan.
It also shows filing history and funding margin. Your first month is $4.99.
See 3 contract rows with premium, retention and renewal dates. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
See commissions and fees for 2 broker rows. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHONY NOYER EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $82K |
| BONADIO & CO., LLP EIN 16-1131146 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $65K |
| CARLOS MARTINEZ EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $55K |
| KARPUS INVESTMENT MANAGERS EIN 16-1290558 NONE | Investment management; Direct payment from the plan Service code 28 | — | $53K |
| MORGAN STANLEY EIN 13-2919773 NONE | Custodial (securities); Investment advisory (plan); Direct payment from the plan Service code 19 | — | $41K |
| ROOFERS LOCAL 22 BUILDING FUND EIN 26-2543715 AFFILIATE | Other services; Direct payment from the plan Service code 49 | — | $18K |
| ROBERT PIZZO, ESQ. EIN 82-0553395 NONE | Legal; Direct payment from the plan Service code 29 | — | $16K |
| TELPERION SOLUTIONS GROUP NONE | Direct payment from the plan; Other services Service code 49 | 311 ALEXANDER STREET ROCHESTER, NY 14604 | $8K |
| PILOT CONSULTING, INC EIN 20-2520069 NONE | Direct payment from the plan; Other services Service code 49 | — | $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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | EXCELLUS BLUECROSS BLUESHIELD | 120 | $1.9M |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 124 | $4K |
| Prescription drug(2 contracts) | EXCELLUS BLUECROSS BLUESHIELD | 120 | $1.9M |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 124 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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 top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan is either richly funded or stuck with a bad rate.