| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT BERGMAN3 | 123 KILLBURN DRIVE CHERRY HILL, NJ 08003 | GERBER LIFE INSURANCE COMPANY | $27K | — | $27K | 6.00% |
| RETIREE FIRST3 | 1000 MIDLANTIC DRIVE, SUITE 100 MOUNT LAUREL, NJ 08054 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $31K | — | $31K | 16.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $125K |
| BRIDGEWAY BENEFIT TECHNOLOGY EIN 52-1796473 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $54K |
| VINCENZA QUINLAN EIN 13-1895923 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $53K |
| O'SULLIVAN ASSOCIATES EIN 20-8199367 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $30K |
| SHERRY MARAGLIANO EIN 13-1895923 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $25K |
| HOLM & O'HARA EIN 13-3591118 NONE | Legal; Direct payment from the plan Service code 29 | — | $24K |
| MSPC EIN 22-2951202 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $24K |
| EXPRESS SCRIPTS EIN 22-3461740 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $22K |
| SEGALL BRYANT & HAMMILL EIN 41-1788385 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $21K |
| AMALGAMATED BANK OF CHICAGO EIN 36-0721895 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $18K |
| M&T BANK EIN 16-0538020 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $13K |
| INVESTMENT PERFORMANCE SERVICES LLC EIN 58-2432390 NONE | Investment management fees paid directly by plan; Investment advisory (plan); Consulting (general) Service code 16 | — | $9K |
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 | 246 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 61 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 72 | $188K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 245 | $129K |
| Vision | AETNA LIFE INSURANCE COMPANY | 70 | $3K |
| Life insurance(2 contracts, 2 carriers) | THE UNION LABOR LIFE INSURANCE COMPANY | 314 | $21K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 246 | $444K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 314 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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.