| 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 | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS INC EIN 52-1590516 NONE | Contract Administrator Service code 13 | 302 KNIGHTS RUN AVENUE SUITE 1100 TAMPA, FL 33602 | $159K |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 NONE | Non-monetary compensation; Claims processing; Float revenue; Direct payment from the plan; Contract Administrator; Other services; Participant communication Service code 12 | 10490 LITTLE PATUXENT PARKWAY COLUMBIA, MD 21044 | $88K |
| MCKEOGH COMPANY EIN 23-3003375 NONE | Actuarial; Direct payment from the plan Service code 11 | 200 BARR HARBOR DRIVE WEST CONSHOHOCKEN, PA 19428 | $25K |
| BACHELER & COMPANY, P.C. EIN 23-2978066 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 400 SOUTH KINGS HIGHWAY CHERRY HILL, PA 08034 | $20K |
| 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 | $20K |
| 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 | $9K |
| BOYD WATTERSON GSA FUND EIN 45-2061717 NONE | Direct payment from the plan; Investment management Service code 28 | ONE NORTH WACKER DRIVE SUITE 4025 CHICAGO, IL 60606 | $7K |
| 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 | Custodial (securities); Investment management fees paid directly by plan Service code 19 | 275 7TH AVENUE NEW YORK, NY 10001 | $1K |
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 | 88 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 82 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 170 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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."
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.