| 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 | $49K | — | $49K | 8.00% |
| FABRICANT & FABRICANT3 | 1251 OLD NORTHERN BLVD ROSLYN, NY 11576 | BCS INSURANCE COMPANY | $24K | — | $24K | 4.00% |
| FABRICANT & FABRICANT3 | 1251 OLD NORTHERN BLVD ROSLYN, NY 11576 | DEARBORN LIFE INSURANCE COMPANY | $28K | — | $28K | 5.00% |
| 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 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED ACTUARIAL SERVICES, INC EIN 35-2156428 NONE | Actuarial; Consulting (general) Service code 11 | — | $132K |
| INNOVATIVE SOFTWARE SOLUTIONS INC EIN 23-2182079 NONE | Other fees Service code 99 | — | $120K |
| SAV RX EIN 47-0527013 NONE | Contract Administrator Service code 13 | — | $119K |
| WILLIG WILLIAMS & DAVIDSON EIN 23-2416488 NONE | Legal Service code 29 | — | $103K |
| BRIAN O'MALLEY EIN 36-2153764 ADMINISTRATOR | Employee (plan); Plan Administrator Service code 14 | — | $95K |
| CALIBRE CPA GROUP, PLLC EIN 47-0900880 NONE | Accounting (including auditing) Service code 10 | — | $95K |
| STACEY POPP EIN 36-2153764 EMPLOYEE | Employee (plan) Service code 30 | — | $88K |
| NATIONAL INVESTMENT SERVICES OF AME EIN 84-3937993 NONE | Investment management fees paid directly by plan Service code 51 | — | $88K |
| MORGAN LEWIS & BOCKIUS LLP EIN 23-0891050 NONE | Legal Service code 29 | — | $80K |
| MICHAEL O'MALLEY EIN 36-2153764 ADMINISTRATOR | Employee (plan); Plan Administrator Service code 14 | — | $79K |
| KATIE MCINERNEY EIN 36-2153764 EMPLOYEE | Employee (plan) Service code 30 | — | $69K |
| MARGARET SUMRALL EIN 36-2153764 EMPLOYEE | Employee (plan) Service code 30 | — | $68K |
| ALLISON STEFFENHAGEN EIN 36-2153764 EMPLOYEE | Employee (plan) Service code 30 | — | $65K |
| MAUREEN STEFFENHAGEN EIN 36-2153764 NONE | Employee (plan) Service code 30 | — | $44K |
| LOOMIS SAYLES TRUST COMPANY EIN 20-8080381 NONE | Investment management fees paid directly by plan Service code 51 | — | $39K |
| WOTRING LAW LLC NONE | Legal Service code 29 | 618 OVERLEA ROAD BETHESDA, MD 20816 | $39K |
| VIVIAN JANECZKO EIN 36-2153764 EMPLOYEE | Employee (plan) Service code 30 | — | $38K |
| SARA LIGUE EIN 36-2153764 EMPLOYEE | Employee (plan) Service code 30 | — | $35K |
| JOYCE A CAMARILLO EIN 36-2153764 EMPLOYEE | Employee (plan) Service code 30 | — | $34K |
| LASALLE CONSULTING PARTNERS EIN 36-4030449 NONE | Other services Service code 49 | — | $25K |
| 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 | $22K |
| SOMMERS & FARENBACH EIN 36-1796440 NONE | Copying and duplicating Service code 36 | — | $19K |
| FABRICANT & FABRICANT INC. EIN 13-1942233 NONE | Insurance agents and brokers Service code 22 | — | $12K |
| FAIR HEALTH, INC. EIN 90-0524294 NONE | Other services Service code 49 | — | $9K |
| BANK OF NEW YORK MELLON EIN 13-5160382 NONE | Other investment fees and expenses; Investment management; Custodial (securities); Float revenue Service code 19 | — | $8K |
| OPTUM RX INC EIN 33-0441200 NONE | Direct payment from the plan; Other fees; Claims processing; Float revenue Service code 12 | — | $4K |
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 | 2,014 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,031 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 2,031 | $35.5M |
| Vision | VISION SERVICE PLAN | 1,952 | $239K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 1,986 | $554K |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 2,093 | $611K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,093 | — |
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 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.