Filings through .
History & trajectory Charts need 2 or more years. This plan has 9 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingBroker compensation exceeds 5% of premium. This is a small-plan minimum fee or a costly broker setup that a competing bid can beat.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
Broker: SDF Associates 1991 Ltd Stop-loss | Stop-loss |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 2 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 9,790 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 9,808 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance(2 contracts) | HCC LIFE INSURANCE COMPANY | 1,695 | $546K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,695 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
| Broker | Commissions |
|---|---|
Carrier: HCC Life Insurance Company |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TOTAL PLAN CONCEPTS EIN 45-4564412 THIRD PARTY ADMINISTRATOR | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | 571 MCDONALD AVE BROOKLYN, NY 11218 | $1.6M |
| WILSON ELSER ATTORNEY | Legal Service code 29 | 150 E 42ND ST 23 NEW YORK, NY 10017 | $166K |
| SMITH RX PRESCRIPTION DRUG VENDOR | Other services Service code 49 | 300 BRANNAN STREET SUITE 601 SAN FRANCISCO, CA 94107 | $141K |
| SKILLED STAFFING LLC RECORDKEEPER | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 14148 73RD STREET FLUSHING, NY 11367 | $54K |
| FIDUCIENT ADVISORS FIDUCIARY | Consulting (general) Service code 16 | 500 W MADISON STREET SUITE 1700 CHICAGO, IL 60661 | $31K |
| FASTEN HALBERSTAM LLP EIN 47-2319109 AUDIT FIRM | Accounting (including auditing) Service code 10 | 33 WHITEHALL ST 27TH FLOOR NEW YORK, NY 10004 | $24K |
| PERR&KNIGHT CONSULTING | Consulting (general) Service code 16 | 401 WILSHIRE BLVD SUITE 300 SANTA MONICA, CA 90401 | $11K |
| POPULAR BANK CUSTODIAN | Custodial (other than securities) Service code 18 | PO BOX 4890 MIAMI LAKES, FL 33014 | $9K |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
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9 filings · 2016 to 2024