| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDWARD CHICOSKI III3 Filed as: EDWARD CHICOSKI | 301 ALBANY TURNPIKE CANTON, CT 06019 | HARTFORD LIFE AND ACCIDENT | $4K | $4K | $7K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTHCARE EIN 23-1503749 NONE | Contract Administrator; Participant communication; Float revenue; Direct payment from the plan; Other services; Non-monetary compensation; Claims processing Service code 12 | 10490 LITTLE PATUXENT PARKWAY COLUMBIA, MD 21044 | $87K |
| CALIBRE CPA GROUP EIN 47-0900880 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $19K |
| MERANZE, KATZ AND GAUDIOSO EIN 23-2943773 NONE | Direct payment from the plan; Legal Service code 29 | 121 SOUTH BROAD STREET 13TH FLOOR PHILADELPHIA, PA 19107 | $15K |
| MCKEOGH COMPANY EIN 23-3003375 NONE | Direct payment from the plan; Actuarial Service code 11 | 200 BARR HARBOR DRIVE WEST CONSHOHOCKEN, PA 19428 | $12K |
| COLUMBIA PARTNERS CHARTWELL EIN 52-1940739 NONE | Investment management; Direct payment from the plan Service code 28 | 5425 WISCONSIN AVENUE SUITE 700 CHEVY CHASE, MD 20815 | $10K |
| BOYD WATTERSON GSA FUND EIN 45-2061717 NONE | Investment management; Direct payment from the plan Service code 28 | ONE NORTH WACKER DRIVE SUITE 4025 CHICAGO, IL 60606 | $9K |
| INVESTMENT PERFORMANCE SERVICES EIN 58-2432390 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | 12 PENNS TRAIL SUITE 132 NEWTON, PA 18940 | $5K |
| AMALGAMATED BANK EIN 13-4920330 NONE | Investment management fees paid directly by plan; Custodial (securities) Service code 19 | 275 7TH AVENUE NEW YORK, NY 10001 | $3K |
| CARDAY ASSOCIATES, INC. EIN 53-0257019 NONE | Direct payment from the plan; Contract Administrator Service code 13 | 7130 COLUMBIA GATEWAY DR SUITE A COLUMBIA, MD 21046 | $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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 89 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 316 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.