| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ECONOMIC PLANNING GROUP, INC.(NEW Y3 Filed as: ECONOMIC PLANNING GROUP | 570 LEXINGTON AVE, STE 1600 NEW YORK, NY 10022 | BCS INSURANCE COMPANY | $52K | — | $52K | 8.00% |
| FABRICANT & FABRICANT3 | 1251 OLD NORTHERN BLVD ROSLYN, NY 11576 | BCS INSURANCE COMPANY | $26K | — | $26K | 4.00% |
| FABRICANT & FABRICANT3 | 1251 OLD NORTHERN BLVD ROSLYN, NY 11576 | DEARBORN LIFE INSURANCE COMPANY | $28K | — | $28K | 4.60% |
| ECONOMIC PLANNING GROUP, INC.(NEW Y3 Filed as: THE ECONOMIC PLANNING GROUP INC | 570 LEXINGTON AVE, STE 1600 NEW YORK, NY 10022 | DEARBORN LIFE INSURANCE COMPANY | $28K | — | $28K | 4.60% |
| ELITE ADMINISTRATION3 Filed as: ELITE ADMIN AND INSURANCE GROUP | 1211 W 22ND STREET STE 820 OAK BROOK, IL 60523 | DEARBORN LIFE INSURANCE COMPANY | — | $25K | $25K | 4.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BRIAN O'MALLEY EIN 36-2153764 ADMINISTRATOR | Plan Administrator; Employee (plan) Service code 14 | — | $165K |
| MORGAN LEWIS & BOCKIUS LLP EIN 23-0891050 NONE | Legal Service code 29 | — | $114K |
| INNOVATIVE SOFTWARE SOLUTIONS INC EIN 23-2182079 NONE | Other fees Service code 99 | — | $111K |
| UNITED ACTUARIAL SERVICES, INC EIN 35-2156428 NONE | Actuarial Service code 11 | — | $104K |
| CALIBRE CPA GROUP, PLLC EIN 47-0900880 NONE | Accounting (including auditing) Service code 10 | — | $94K |
| WILLIG WILLIAMS & DAVIDSON EIN 23-2416488 NONE | Legal Service code 29 | — | $92K |
| STACEY POPP EIN 36-2153764 EMPLOYEE | Employee (plan) Service code 30 | — | $86K |
| NATIONAL INVESTMENT SERVICES EIN 84-3937993 NONE | Investment management fees paid directly by plan Service code 51 | — | $76K |
| KATIE MCINERNEY EIN 36-2153764 EMPLOYEE | Employee (plan) Service code 30 | — | $67K |
| MARGARET SUMRALL EIN 36-2153764 EMPLOYEE | Employee (plan) Service code 30 | — | $67K |
| ALLISON STEFFENHAGEN EIN 36-2153764 EMPLOYEE | Employee (plan) Service code 30 | — | $63K |
| MICHAEL O'MALLEY EIN 36-2153764 ASST PLAN ADMIN | Plan Administrator; Employee (plan) Service code 14 | — | $59K |
| MAUREEN STEFFENHAGEN EIN 36-2153764 NONE | Employee (plan) Service code 30 | — | $43K |
| VIVIAN JANECZKO EIN 36-2153764 EMPLOYEE | Employee (plan) Service code 30 | — | $37K |
| SARA LIGUE EIN 36-2153764 EMPLOYEE | Employee (plan) Service code 30 | — | $34K |
| JOYCE A CAMARILLO EIN 36-2153764 EMPLOYEE | Employee (plan) Service code 30 | — | $34K |
| LOOMIS SAYLES TRUST COMPANY EIN 20-8080381 NONE | Investment management fees paid directly by plan Service code 51 | — | $28K |
| SEGAL MARCO ADVISORS EIN 13-2646110 NONE | Investment advisory (plan) Service code 27 | — | $25K |
| GUARDIAN LIFE INSURANCE COMPANY NONE | Other services Service code 49 | 605 E. HOLLAND AVENUE SPOKANE, WA 99218 | $24K |
| SOMMERS & FARENBACH EIN 36-1796440 NONE | Copying and duplicating Service code 36 | — | $22K |
| LASALLE CONSULTING PARTNERS EIN 36-4030449 NONE | Other services Service code 49 | — | $19K |
| OPTUM RX INC EIN 33-0441200 NONE | Direct payment from the plan; Claims processing; Other fees; Float revenue Service code 12 | — | $15K |
| FAIR HEALTH, INC. EIN 90-0524294 NONE | Other services Service code 49 | — | $9K |
| FABRICANT & FABRICANT INC. EIN 13-1942233 NONE | Insurance agents and brokers Service code 22 | — | $8K |
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 | 2,090 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 2,118 | $30.8M |
| Vision | VISION SERVICE PLAN | 2,071 | $240K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 2,073 | $612K |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 2,201 | $644K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,201 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.