| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNION BENEFIT PLANNERS,3 Filed as: UNION BENEFIT PLANNERS INC. | 34 JAROMBEK DR TOWACO, NJ 07082 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 13.59% |
| UNION BENEFIT PLANNERS,3 Filed as: UNION BENEFIT PLANNERS INC. | 181 NEW ROAD, SUITE 304 PARSIPPANY, NJ 07054 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 2.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE, INC. EIN 23-7391136 CLAIMS PROCESSOR | Contract Administrator; Claims processing Service code 12 | — | $125K |
| INSURANCE DESIGN ADMINISTRATORS EIN 13-3155962 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | — | $121K |
| ANGELO CORDISCO EIN 11-1964991 PLAN ADMINISTRATOR | Employee (plan) Service code 30 | — | $112K |
| S.A. KOENIG & ASSOCIATES, CPAS EIN 11-3141654 ACCOUNTANTS | Accounting (including auditing) Service code 10 | — | $50K |
| MARIANNE STAITI EIN 11-1964991 OFFICE MANAGER | Employee (plan) Service code 30 | — | $45K |
| COMERFORD AND DOUGHERTY LLP EIN 20-4155471 ATTORNEYS | Legal Service code 29 | — | $44K |
| SARONA HOOKS-BELL EIN 11-1964991 ADMIN STAFF | Employee (plan) Service code 30 | — | $41K |
| PENZONE & COMPANY, CPAS EIN 20-1996298 AUDITORS | Accounting (including auditing) Service code 10 | — | $19K |
| UNION BENEFIT PLANNERS, INC. EIN 22-3779290 INSURANCE BROKER | Insurance agents and brokers Service code 22 | — | $18K |
| FIRST ACTUARIAL CONSULTING EIN 26-3842522 ACTUARY | Actuarial Service code 11 | — | $18K |
| UBS FINANCIAL SERVICES EIN 13-2638166 INVESTMENT CUSTODIAN | Custodial (securities) Service code 19 | — | $17K |
| GLASSER TECH LLC EIN 26-1650921 CONSULTANTS | Consulting (general) Service code 16 | — | $9K |
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 | 441 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 441 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 584 | $50K |
| Other | HARTFORD LIFE AND ACCIDENT | 584 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 584 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.