| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSHUA MONDSCHEIN3 | 450 N END AVE APT 19A NEW YORK, NY 10282 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $9K | — | $9K | 10.21% |
| MONDSCHEIN ASSOCIATES, INC.3 | 450 N END AVE APT 19A NEW YORK, NY 10282 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $694 | $694 | 0.75% |
| MONDSCHEIN ASSOCIATES, INC.3 Filed as: MONDSCHEIN ASSOCIATES INC. | 450 N END AVE APT 19A NEW YORK, NY 10282 | FIRST UNUM LIFE INSURANCE COMPANY | $7K | $565 | $8K | 10.52% |
| JOSHUA MONDSCHEIN3 | 450 N END AVE APT 19A NEW YORK, NY 10282 | HEALTH NET | $793 | — | $793 | 5.00% |
| MONDSCHEIN ASSOCIATES, INC.3 | 450 N END AVE APT 19A NEW YORK, NY 10282 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $95 | $2K | 15.75% |
| JOSHUA MONDSCHEIN3 | 450 N END AVE APT 19A NEW YORK, NY 10282 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $541 | — | $541 | 10.00% |
| JOSHUA MONDSCHEIN3 | 450 N END AVE APT 19A NEW YORK, NY 10282 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $248 | — | $248 | 4.99% |
| MONDSCHEIN ASSOCIATES, INC.3 | 450 N END AVE APT 19A NEW YORK, NY 10282 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $43 | $43 | 0.87% |
| JOSHUA MONDSCHEIN3 | 450 N END AVE APT 19A NEW YORK, NY 10282 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $206 | — | $206 | 4.97% |
| MONDSCHEIN ASSOCIATES, INC.3 | 450 N END AVE APT 19A NEW YORK, NY 10282 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $34 | $34 | 0.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OMNI ADMINISTRATORS, INC. EIN 27-2589905 TPA | Claims processing Service code 12 | DBA LEADING EDGE ADMINISTRATORS LLC 14 WALL STREET, SUITE 5B NEW YORK, NY 10005 | $81K |
| MONDSCHEIN ASSOCIATES, INC. EIN 13-3831289 INSURANCE AGENT/BROKER | Insurance agents and brokers Service code 22 | 450 N END AVE APT 19A NEW YORK, NY 10282 | $73K |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 3 | $16K |
| Dental(2 contracts, 2 carriers) | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 111 | $108K |
| Vision(2 contracts, 2 carriers) | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 111 | $108K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 175 | $88K |
| Short-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 175 | $80K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 175 | $75K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 100 | $347K |
| Other(4 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 175 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.