Filings through .
| Carrier | Coverage | Premium, renewal |
|---|---|---|
Broker: Walsh Duffield Companies, Inc. HealthRxPPOOther | HealthRxPPOOther | Pro |
Broker: James R. Nelligan & Assoc. LLC LifeSTDLTDOther | LifeSTDLTDOther | Pro |
Broker: James R. Nelligan & Assoc., LLC Dental | Dental | Pro |
Broker: James R. Nelligan & Assoc., LLC Vision | Vision | Pro |
Broker: Walsh Duffield, Co., Inc. Indemnity | Indemnity | Pro |
Broker: Walsh Duffield Co., Inc. Other | Other | Pro |
See premium, retention and renewal dates for 9 contracts with Pro.
Pro shows premium, covered lives, retention, contract numbers and the renewal date for each contract. Free for 7 days, no card. Then $49 a month. Cancel any time.
| Broker | Commissions, fees |
|---|---|
Carrier: Highmark Western and Northeastern New York, Inc. | Pro |
Carrier: Hartford Life and Accident | Pro |
Carrier: Hartford Life and Accident | Pro |
Carrier: Delta Dental of New York | Pro |
Carrier: Delta Dental of New York | Pro |
Carrier: Vision Service Plan | Pro |
Carrier: The Paul Revere Life Insurance Company | Pro |
Carrier: The Paul Revere Life Insurance Company | Pro |
Carrier: The Paul Revere Life Insurance Company | Pro |
Carrier: The Paul Revere Life Insurance Company | Pro |
Carrier: Federal Insurance Company | Pro |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CHILD AND FAMILY SERVICES EAP EIN 16-1004825 NONE | Plan Administrator Service code 14 | — | $8K |
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 | 307 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 227 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 549 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK, INC. | 518 | $4.8M |
| Dental | DELTA DENTAL OF NEW YORK | 619 | $190K |
| Vision | VISION SERVICE PLAN | 276 | $58K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 543 | $501K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 543 | $501K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 543 | $501K |
| Prescription drug | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK, INC. | 518 | $4.8M |
| Other(3 contracts, 3 carriers) | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK, INC. | 543 | $5.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 619 | — |
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."
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
Schedule A changed between filings. The plan moved between insured and self-funded, or contracts were added or removed. The transition window is open.