| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JD MOSCHITTO & ASSOCIATES, INC3 Filed as: J.D. MOSCHITTO & ASSOCIATES, INC. | 2 LYON PLACE WHITE PLAINS, NY 10601 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $4K | $0 | $4K | 8.88% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVENUE SUITE 502 NORWALK, CT 06854 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $373 | $0 | $373 | 0.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM LIFE INSURANCE COMPANY EIN 35-0980405 ADMINISTRATOR | Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services Service code 12 | — | $5K |
| ANTHEM LIFE & DISABILITY INSURANCE EIN 20-5876774 ADMINISTRATOR | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services Service code 12 | — | $1K |
| HP PLANNING LLC EIN 06-1470152 CONSULTANT | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | — | $0 |
| JD MOSCHITTO & ASSOCIATES INC EIN 11-3477677 CONSULTANT | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $0 |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 197 | $41K |
| Long-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 197 | $41K |
| Other | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 197 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.