No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AFFINITY INSURANCE SERVICE EIN 36-3642411 NONE | Custodial (other than securities) Service code 18 | — | $1.4M |
| COHNREZNICK LLP EIN 22-1478099 AUDITORS | Accounting (including auditing) Service code 10 | — | $110K |
| PAYMENTECH LLC EIN 26-0406045 NONE | Other fees Service code 99 | — | $86K |
| BNY MELLON EIN 13-5160382 CUSTODIAN | Custodial (other than securities); Trustee (directed) Service code 18 | — | $84K |
| LEE LAUNER CONSULTANT | Consulting (general) Service code 16 | 47 OAK POINT DRIVE BAYVILLE, NY 11709 | $18K |
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 | 39,968 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 39,968 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 74,840 | $19.1M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 74,840 | $19.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 74,840 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.