See the carriers, broker commissions and premiums for this plan.
It also shows filing history and funding margin. Your first month is $4.99.
See 4 contract rows with premium, retention and renewal dates. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
See commissions and fees for 4 broker rows. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TAMMY TAMBURELLO EIN 51-6112573 EMPLOYEE | Employee (plan) Service code 30 | — | $44K |
| CALIBRE CPA GROUP, PLLC EIN 47-0900880 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $42K |
| KELLIANNE MCINNIS EIN 51-6112573 EMPLOYEE | Employee (plan) Service code 30 | — | $33K |
| CARY KANE, PLLC EIN 88-1989795 LEGAL COUNSEL | Legal; Direct payment from the plan Service code 29 | — | $27K |
| TEAMSTER CENTER SERVICES EIN 13-1964856 NONE | Other services Service code 49 | — | $15K |
| MORGAN STANLEY SMITH BARNEY, LLC EIN 20-8764829 NONE | Securities brokerage; Other services; Investment advisory (plan); Direct payment from the plan; Other commissions; Other investment fees and expenses Service code 27 | — | $8K |
| O'SULLIVAN ASSOCIATES INC. EIN 20-8199367 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $5K |
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 | 625 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 632 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEM HEALTH | 540 | $12.8M |
| Dental | GUARDIAN LIFE INSURANCE | 566 | $245K |
| Vision | GENERAL VISION SERVICES | 1,500 | $49K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NY | 563 | $53K |
| Prescription drug | EMBLEM HEALTH | 540 | $12.8M |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NY | 563 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,500 | — |
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 compensation exceeds 5% of premium. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan is either richly funded or stuck with a bad rate.