No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NATIONAL EMPLOYEE BENEFITS ADMIN EIN 65-0498809 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $470K |
| BROWN & BROWN EIN 59-0864469 NONE | Direct payment from the plan; Consulting (general); Investment management fees paid indirectly by plan Service code 16 | — | $78K |
| SUGARMAN & SUSSKIND, P.A. EIN 59-2539792 NONE | Legal; Direct payment from the plan Service code 29 | — | $76K |
| KARPUS INVESTMENT MANAGEMENT EIN 16-1290558 NONE | Investment management fees paid indirectly by plan; Investment management; Direct payment from the plan Service code 28 | — | $35K |
| LAPADULA CARLSON & CO. CPA'S EIN 65-0292391 NONE | Direct payment from the plan; Investment management fees paid indirectly by plan; Accounting (including auditing) Service code 10 | — | $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 | 3,158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE CO. | 3,145 | $20.3M |
| Dental | SOLSTICE BENEFITS INC. | 2,961 | $374K |
| Life insurance | UNITED HEALTHCARE INSURANCE CO. | 3,145 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,145 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.