| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONTEMPORARY STRATEGIC SOLUTIONS3 | 19 WILLOW LANE SPRING LAKE HEIGHTS, NJ 07762 | THE UNION LABOR LIFE INSURANCE COMPANY | $20K | — | $20K | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MAGNACARE ADMINISTRATIVE SERVICES, EIN 11-3410766 NONE | Claims processing; Other fees; Direct payment from the plan Service code 12 | — | $333K |
| SCHULTHEIS & PANETTIERI, LLP EIN 13-1577780 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $137K |
| ALLEN MARMOR EIN 11-1627279 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $131K |
| THE SEGAL CO. (EASTERN STATES), INC EIN 13-1835864 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $131K |
| HIGH LEVEL TECHNOLOGIES, INC. EIN 26-2309928 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $98K |
| ADAM GLASER EIN 11-1627279 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $97K |
| INNOVATIVE SOFTWARE SOLUTIONS, INC. EIN 23-2182079 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $86K |
| FLORENCE HILBRANDT EIN 11-1627279 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $86K |
| THE SEGAL CO (EASTERN STATES) INC | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $80K |
| MICHAEL PORCIELLO EIN 11-1627279 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $79K |
| LOUISE PERUGINI EIN 11-1627279 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $78K |
| DEBORAH ROMANECK EIN 11-1627279 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $69K |
| FARCJITT BERNARD EIN 11-1627279 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $58K |
| ILIANNETTE READ EIN 11-1627279 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $51K |
| LAVELLE LAW & ASSOCIATES, P.C. EIN 81-3811964 NONE | Legal; Direct payment from the plan Service code 29 | — | $47K |
| ANA ZAPPASODI EIN 11-1627279 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $45K |
| LINDA SABA EIN 11-1627279 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $43K |
| WENDY HEID EIN 11-1627279 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $41K |
| LAZARD ASSET MANAGEMENT, LLC EIN 05-0530199 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $37K |
| PROSKAUER ROSE, LLP EIN 13-1840454 NONE | Legal; Direct payment from the plan Service code 29 | — | $33K |
| LABOR EDU & COMM SVC AGENCY EIN 23-7442181 NONE | Direct payment from the plan; Other services Service code 49 | — | $30K |
| MAGNACARE ADMINISTRATIVE SVCS, LLC | Other fees Service code 99 | — | $26K |
| ADMINISTRATIVE SERVICES ONLY, INC. EIN 11-2995970 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $15K |
| DAHAB ASSOCIATES, INC EIN 11-2783874 NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | — | $8K |
| JOSEPH MONTALBANO EIN 11-1627279 NONE | Trustee (individual); Direct payment from the plan Service code 20 | — | $6K |
| JOSEPH CAVALIERI EIN 11-1627279 NONE | Trustee (individual); Direct payment from the plan Service code 20 | — | $6K |
| OPTUMRX, INC EIN 33-0441200 NONE | Direct payment from the plan; Claims processing; Other fees; Float revenue Service code 12 | — | $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 | 446 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 260 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 706 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE CO. | 1,081 | $59K |
| Short-term disability | THE UNION LABOR LIFE INSURANCE CO. | 1,081 | $59K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 468 | $510K |
| Other | THE UNION LABOR LIFE INSURANCE CO. | 1,081 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,081 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.