| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HIGHWAY SUITE 1080 EDISON, NJ 08817 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $88K | — | $88K | 26.99% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | — | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $12K | — | $12K | 10.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE, INC. EIN 23-7391136 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Float revenue Service code 12 | — | $535K |
| EXPRESS SCRIPTS, INC. EIN 31-1714795 CONTRACT AMDINISTRATOR | Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $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 | 476 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 478 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 462 | $324K |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 377 | $116K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 462 | $324K |
| Life insurance | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 476 | $116K |
| Short-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 476 | $116K |
| Long-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 476 | $116K |
| Prescription drug | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 462 | $324K |
| Stop-loss / reinsurancereinsurance | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 462 | $324K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 476 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.