| 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 | EMBLEMHEALTH | $289K | — | $289K | 3.00% |
| UNION BENEFIT PLANNERS,3 Filed as: UNION BENEFIT PLANNERS, INC. | 181 NEW ROAD SUITE 304 PARSIPPANY, NJ 07054 | AMALGAMATED LIFE INSURANCE COMPANY | $14K | — | $14K | 22.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FIRST FINANCIAL SERVICES 11-3043712 | Investment advisory (plan); Securities brokerage; Distribution (12b-1) fees; Custodial (securities); Named fiduciary; Other commissions; Consulting (general) Service code 16 | — | $180K |
| JEANNINE DEVLIN EIN 11-6043757 NONE | Employee (plan) Service code 30 | — | $137K |
| OPTUMRX EIN 33-0441200 PHARMACY BENEFIT MNGMT | Claims processing; Float revenue; Other fees; Direct payment from the plan Service code 12 | — | $71K |
| DAWN LANGE EIN 11-6043757 NONE | Employee (plan) Service code 30 | — | $70K |
| WILMA SPATAFORE-ALVAREZ EIN 11-6043757 NONE | Employee (plan) Service code 30 | — | $56K |
| GOULD, KOBRICK, & SCHLAPP, P.C. EIN 13-3082707 UNION AUDITOR | Accounting (including auditing) Service code 10 | 3 PARK AVENUE SUITE 1402 NEW YORK, NY 10016 | $25K |
| FACT FIRST ACTUARIAL CONSULTING EIN 26-3842522 NONE | Actuarial Service code 11 | 1501 BROADWAY SUITE 1728 NEW YORK, NY 10036 | $17K |
| C&R CONSULTING SERVICES EIN 13-3935364 NONE | Claims processing; Contract Administrator Service code 12 | 1501 BROADWAY SUITE 1724 NEW YORK, NY 10036 | $15K |
| HOLM & OHARA EIN 13-3591118 UNION ATTORNEY | Legal Service code 29 | 3 WEST 35TH STREET 9TH FLOOR NEW YORK, NY 10001 | $14K |
| KOBGO ASSOCIATES EIN 13-2751089 NONE | Accounting (including auditing) Service code 10 | — | $5K |
| FIRST FINANCIAL SERVICES EIN 11-3043712 NONE | Securities brokerage; Custodial (securities); Distribution (12b-1) fees; Other commissions; Investment management; Investment advisory (plan); Consulting (general); Named fiduciary Service code 16 | 38 KINGS HIGHWAY HAUPPAUGE, NY 11788 | $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 | 718 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 721 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEMHEALTH | 674 | $9.6M |
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 718 | $79K |
| Short-term disability | AMALGAMATED LIFE INSURANCE COMPANY | 718 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 718 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.