| 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. | $114K | — | $114K | 16.04% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 08817 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $44K | — | $44K | 6.18% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HWY SUITE 1080 EDISON, NJ 08817 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $13K | — | $13K | 6.10% |
| AUSTIN & CO INC3 Filed as: AUSTIN & COMPANY INC | CORPORATE WOODS BLVD ALBANY, NY 12211 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $8K | — | $8K | 3.75% |
| AUSTIN & CO INC3 | 20 CORPORATE WOODS BLVD ALBANY, NY 12211 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $3K | — | $3K | 2.07% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HWY STE 1080 EDISON, NJ 08817 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | — | $101 | $101 | 0.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE, INC. EIN 23-7391136 CONTRACT ADMINISTRATOR | Float revenue; Other fees; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing Service code 12 | — | $364K |
| EXPRESS SCRIPTS, INC. EIN 31-1714795 CONTRACT ADMINISTRATOR | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; 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 | 715 | 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) | 717 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 937 | $710K |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 714 | $207K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 937 | $710K |
| Life insurance | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 715 | $168K |
| Short-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 715 | $168K |
| Long-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 715 | $168K |
| Prescription drug | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 937 | $710K |
| Stop-loss / reinsurancereinsurance | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 937 | $710K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 937 | — |
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.