| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNION BENEFIT PLANNERS,3 | 120 EAGLE ROCK AVE STE 195 EAST HANOVER, NJ 079363147 | AMALGAMATED LIFE INSURANCE CO. | $16K | — | $16K | 7.91% |
| UNION BENEFIT PLANNERS,3 | 120 EAGLE ROCK AVE STE 195 EAST HANOVER, NJ 079363147 | AMALGAMATED LIFE INSURANCE CO. | $16K | — | $16K | 20.00% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | COMPANION LIFE INSURANCE COMPANY | $10K | $9K | $18K | 28.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE, INC. EIN 23-7391136 NONE | Float revenue; Other services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Contract Administrator Service code 12 | — | $519K |
| J. MUNOZ EIN 11-2159859 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $97K |
| N. QUINN EIN 11-2159859 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $96K |
| J. KIMMERLING EIN 11-2159859 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $94K |
| V. CORDATO EIN 11-2159859 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $89K |
| LOCAL 707 IBT EIN 13-5559086 RELATED PARTY | Other services; Direct payment from the plan Service code 49 | — | $66K |
| PRAGER METIS CPAS LLC EIN 06-1667465 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $62K |
| CARY KANE, LLP EIN 20-1942442 NONE | Other services; Direct payment from the plan Service code 49 | — | $57K |
| DDS INC EIN 11-2705347 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $52K |
| INNOVATIVE SOFTWARE SOLUTIONS, INC. EIN 23-2182079 NONE | Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $51K |
| ALICARE MEDICAL MANAGEMENT EIN 13-3860528 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $48K |
| O'SULLIVAN ASSOCIATES EIN 20-8199367 NONE | Actuarial; Consulting (general) Service code 11 | — | $43K |
| MORGAN,LEWIS & BOCKIUS LLP EIN 23-0891050 NONE | Legal; Direct payment from the plan Service code 29 | — | $41K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $38K |
| ALLEGIANT RX/NORTHERN N.E. BENEFIT EIN 02-6015031 NONE | Other services; Direct payment from the plan; Contract Administrator Service code 13 | — | $35K |
| TEAMSTER CENTER SERVICES FUND EIN 13-1964856 NONE | Other services; Direct payment from the plan Service code 49 | — | $29K |
| BANK OF NEW YORK MELLON EIN 13-5160382 NONE | Custodial (securities); Investment management fees paid directly by plan Service code 19 | — | $28K |
| OPTUMRX EIN 33-0441200 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $27K |
| UBS INSTITUTIONAL CONSULTING EIN 13-2638166 NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | — | $25K |
| CARLO ANNESE, M.D EIN 11-2632850 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $25K |
| DAISY SINGH NONE | Direct payment from the plan; Consulting (general) Service code 16 | 87-40 SANTIAGO STREET HOLLISWOOD, NY 11423 | $19K |
| FABRICANT & FABRICANT INC EIN 13-1942233 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $18K |
| PERFECT PRINTING SOLUTIONS, INC. EIN 11-3104681 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $16K |
| EXPRESS SCRIPTS EIN 22-2230703 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $12K |
| JOSEPH M STERN, CPA EIN 11-2767324 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $11K |
| DAVIS VISION EIN 11-3051991 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $7K |
| TECHWORKS CONSULTING INC EIN 22-3868470 NONE | Other services; Direct payment from the plan Service code 49 | — | $7K |
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 | 1,244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | AMALGAMATED LIFE INSURANCE CO. | 1,326 | $142K |
| Short-term disability | AMALGAMATED LIFE INSURANCE CO. | 838 | $199K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 1,246 | $117K |
| Other(2 contracts, 2 carriers) | AMALGAMATED LIFE INSURANCE CO. | 1,326 | $263K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,326 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.