| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RETIREEFIRST LLC3 | 3000 MIDLANTIC DR STE 101 MT LAUREL, NJ 08054 | UNITED AMERICAN INSURANCE COMPANY | — | — | $0 | 0.00% |
| THE PARTNERS GROUP3 Filed as: TPG GROUP LLC | 10 TOWER LANE SUITE 100 AVON, CT 06001 | THE HARTFORD | $298 | — | $298 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE BLUECROSS BLUESHIELD EIN 23-7391136 NONE | Other services; Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $3.9M |
| ATALANTA SOSNOFF CAPITAL, LLC EIN 20-0461050 NONE | Investment management; Investment management fees paid directly by plan; Soft dollars commissions Service code 28 | — | $486K |
| BARROW HANLEY EIN 75-2403190 NONE | Investment management; Soft dollars commissions; Investment management fees paid directly by plan Service code 28 | — | $422K |
| MELVIN FEDER EIN 13-3593661 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $333K |
| ALLIANCE BERNSTEIN EIN 13-4064930 NONE | Investment management fees paid directly by plan; Investment management; Soft dollars commissions Service code 28 | — | $321K |
| DELTA DENTAL NONE | Direct payment from the plan; Contract Administrator Service code 13 | 11 PENNSYLVANIA PLAZA NEW YORK, NY 10001 | $298K |
| CAREMARK EIN 75-2888212 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $242K |
| CASTIGLIA LLP EIN 46-2725636 AUDIT AND ATTESTATION | Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 10 | — | $237K |
| PIMCO EIN 33-0629048 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | PO BOX 512129 LOS ANGELES, CA 90051 | $225K |
| SEGAL CO. EIN 13-1835864 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $166K |
| JESSICA PIZA EIN 13-1615440 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $112K |
| JP MORGAN EIN 13-4994650 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $112K |
| BRIDGEWAY BENEFIT TECHNOLOGIES NONE | Direct payment from the plan; Consulting (general) Service code 16 | 3000 SOUTH LENOLA ROAD MAPLE SHADE, NJ 08052 | $95K |
| LYDIA DESHONG EIN 13-1615440 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $91K |
| YVETTE RIVERA EIN 13-1615440 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $71K |
| D SAN ANDRES EIN 13-1615440 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $68K |
| NICOLE LANZAROTTA EIN 13-1615440 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $67K |
| M CHEN EIN 13-1615440 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $48K |
| PREMIER TECHNOLOGY SOLUTIONS NONE | Direct payment from the plan; Consulting (general) Service code 16 | 232 MADISON AVENUE NEW YORK, NY 10016 | $42K |
| MERRILL LYNCH EIN 13-5674085 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $37K |
| PART D ADVISORS NONE | Direct payment from the plan; Consulting (general) Service code 16 | 17199 N. LAUREL PK DR.400 LIVONIA, MI 48152 | $25K |
| SYNTONICS NONE | Consulting (general); Direct payment from the plan Service code 16 | 111 JOHN STREET, STE 1700 NEW YORK, NY 10038 | $14K |
| QUADIANT NONE | Other services; Direct payment from the plan Service code 49 | 1 PENN PLAZA NEW YORK, NY 10119 | $10K |
| STEPHEN O'BEIRNE NONE | Consulting (general); Direct payment from the plan Service code 16 | 176 WASHINGTON AVENUE CLIFTON, NJ 07011 | $10K |
| LERNER LAW EIN 27-3629002 ATTORNEY | Legal; Direct payment from the plan Service code 29 | — | $8K |
| 3P ADMIN SOLUTIONS EIN 45-3938608 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $6K |
| WAGEWORKS NONE | Direct payment from the plan; Other fees Service code 50 | PO BOX 224547 DALLAS, TX 75222 | $5K |
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 | 4,820 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,761 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,581 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMALGAMATED LIFE | 6,242 | $3.2M |
| Short-term disability | AMALGAMATED LIFE | 4,510 | $1.2M |
| Other(3 contracts, 2 carriers) | MEDCO CONTAINMENT INSURANCE COMPANY OF NY | 64 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,242 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.