| 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 | EMBLEM HEALTH | $137K | — | $137K | 3.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DRIVE CALEDONI, MI 49316 | GARDEN STATE LIFE/UNITYRE | $262K | — | $262K | 39.83% |
| ANTHEM INSURANCE COMPANIES, INC.3 Filed as: ANTHEM BCBS | 65 BERGEN AVENUE RIDGEFIELD PARK, NJ 07660 | GARDEN STATE LIFE/UNITYRE | $54K | — | $54K | 8.16% |
| UNION BENEFIT PLANNERS,3 Filed as: UNION BENEFIT PLANNERS, INC. | 181 NEW ROAD SUITE 304 PARSIPPANY, NJ 07054 | AMALGAMATED LIFE INSURANCE COMPANY | $14K | — | $14K | 16.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTERNATIONAL BENEFITS ADMINISTRATI EIN 11-3293162 NONE | Contract Administrator Service code 13 | 100 GARDEN CITY PLAZA SUITE 110 GARDEN CITY, NY 11530 | $408K |
| EMPIRE HEALTHCHOICE ASSURANCE INC EIN 23-7391136 NONE | Contract Administrator Service code 13 | 9 PINE STREET 14TH FLOOR NEW YORK, NY 10005 | $215K |
| FIRST FINANCIAL SERVICES 11-3043712 | Distribution (12b-1) fees; Custodial (securities); Named fiduciary; Investment advisory (plan); Consulting (general); Securities brokerage; Other commissions Service code 16 | — | $185K |
| JEANNINE DEVLIN EIN 11-6043757 NONE | Employee (plan) Service code 30 | — | $136K |
| OPTUMRX EIN 33-0441200 PHARMACY BENEFIT MNGMT | Direct payment from the plan; Claims processing; Other fees; Float revenue Service code 12 | — | $79K |
| DAWN LANGE EIN 11-6043757 NONE | Employee (plan) Service code 30 | — | $75K |
| WILMA SPATAFORE-ALVAREZ EIN 11-6043757 NONE | Employee (plan) Service code 30 | — | $61K |
| CRAFT SKILL REALTY CORPORATION EIN 47-2071062 OWN & OPERATE LAND & BLDG | Other services Service code 49 | — | $26K |
| 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 | $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 | — | $14K |
| C&R CONSULTING SERVICES EIN 13-3935364 NONE | Claims processing; Contract Administrator Service code 12 | 1501 BROADWAY SUITE 1724 NEW YORK, NY 10036 | $13K |
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 | 818 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 821 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEM HEALTH | 754 | $4.6M |
| Dental(6 contracts) | DENTCARE DELIVERY SYSTEMS | 341 | $706K |
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 819 | $89K |
| Short-term disability | AMALGAMATED LIFE INSURANCE COMPANY | 818 | $72K |
| Stop-loss / reinsurancereinsurance | GARDEN STATE LIFE/UNITYRE | 768 | $657K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 819 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.