| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MONDSCHEIN ASSOCIATES, INC.3 | 450 N END AVE 19A NEW YORK, NY 10282 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $10K | $0 | $10K | 1.74% |
| JOSHUA MONDSCHEIN3 | 450 N END AVE APT 19A NEW YORK, NY 10010 | HEALTH NET | $901 | $0 | $901 | 0.50% |
| MONDSCHEIN ASSOCIATES, INC.3 Filed as: MONDSCHEIN ASSOCIATES INC. | 450 N END AVE 19A NEW YORK, NY 10282 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $3K | $0 | $3K | 10.78% |
| JOSHUA MONDSCHEIN3 | 1123 BROADWAY STE 1116 NEW YORK, NY 10010 | KAISER FOUNDATION HEALTH PLAN, INC. | $635 | $0 | $635 | 5.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE, INC. EIN 23-7391136 ADMIN | Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $268K |
| MONDSCHEIN ASSOCIATES INC. | Other commissions; Non-monetary compensation; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $80K |
| MONDSCHEIN ASSOCIATES INC BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers; Non-monetary compensation; Other commissions Service code 22 | 450 N END AVE NEW YORK, NY 10282 | $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 | 173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH NET | 4 | $192K |
| Dental(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 112 | $778K |
| Vision(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 112 | $778K |
| Life insurance | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 173 | $24K |
| Short-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 173 | $24K |
| Long-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 173 | $24K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 4 | $12K |
| Stop-loss / reinsurancereinsurance | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 112 | $598K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.