| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONTEMPORARY STRATEGIC SOLUTIONS3 | 19 WILLOW LANE SPRING HEIGHTS, NJ 07762 | THE UNION LABOR LIFE INSURANCE COMPANY | $21K | — | $21K | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MATTHEW PARSON EIN 11-3124836 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $138K |
| ROBERT SIACHITANO EIN 11-3124836 EMPLOYEE | Employee (plan) Service code 30 | — | $119K |
| DOLORES BLAKE EIN 11-3124836 EMPLOYEE | Direct payment from the plan Service code 50 | — | $105K |
| ARCHER, BYINGTON, GLENNON & LEVINE EIN 26-0873462 NONE | Legal; Direct payment from the plan Service code 29 | — | $102K |
| MICHELE BUSA EIN 11-3124836 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $47K |
| KMR SYSTEMS CORP EIN 13-3192128 NONE | Direct payment from the plan; Other services Service code 49 | — | $47K |
| VERONICA FALES EIN 11-3124836 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $45K |
| SUMMIT ACTUARIAL SERVICES, LLC EIN 77-0645890 NONE | Actuarial Service code 11 | — | $42K |
| GUARDIAN LIFE EIN 13-5123390 NONE | Claims processing Service code 12 | — | $37K |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Claims processing Service code 12 | — | $24K |
| BERDON LLP EIN 13-0485070 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $22K |
| ATALANTA SOSNOFF EIN 20-0461050 NONE | Soft dollars commissions; Investment management; Investment management fees paid directly by plan Service code 28 | — | $21K |
| QUAN-VEST CONSULTING EIN 11-2559669 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $9K |
| BANK OF AMERICA EIN 94-1687665 NONE | Investment management fees paid directly by plan; Investment management; Float revenue Service code 28 | — | $8K |
| RICHARD SCHAFFER NONE | Legal; Direct payment from the plan Service code 29 | 816 DEER PARK AVENUE NORTH BABYLON, NY 11703 | $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 | 633 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 145 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 783 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF NEW YORK | 748 | $37K |
| Life insurance | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 963 | $167K |
| Prescription drug | BENISTAR GROUP RETIREE HEALTH SOLUTIONS | 179 | $350K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 639 | $697K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 963 | — |
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 primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.