| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNION BENEFIT PLANNERS, Filed as: UNION BENEFIT PLANNERS | 34 JAROMBEK DR. TOWACO, NJ 07082 | HARTFORD LIFE INSURANCE CO. | $11K | $55K | $66K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FEDERATION PENSION BUREAU EIN 13-1787163 ACTUARY | Consulting (general); Direct payment from the plan; Actuarial Service code 11 | 225 W. 34TH STREET NEW YORK, NY 10122 | $20K |
| ROCCO J. RICCIARDI, CPA EIN 13-2906754 ACCOUNTANT | Accounting (including auditing); Direct payment from the plan Service code 10 | 100 QUENTIN ROOSEVELT BLVD. GARDEN CITY, NY 11530 | $17K |
| ARMAO LLP EIN 46-2754053 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | 100 QUENTIN ROOSEVELT BLVD. GARDEN CITY, NY 11530 | $16K |
| ARIA EMPLOYEE BENEFIT SERVICES EIN 46-0666987 CLAIMS ADMINIST | Direct payment from the plan; Claims processing; Plan Administrator Service code 12 | 371 MERRICK ROAD ROCKVILLE CENTRE, NY 11570 | $13K |
| AMALGAMATED BANK EIN 13-4920330 NONE | Direct payment from the plan; Investment management Service code 28 | 275 7TH AVENUE NEW YORK, NY 10001 | $12K |
| BARNES IACCARINO & SHEPHERD LLP EIN 26-3858697 ATTORNEY | Direct payment from the plan; Legal Service code 29 | 3 SURRY LANE HEMPSTEAD, NY 11550 | $6K |
| DAVID GREENWALD, ESQ. PLLC EIN 47-1236398 ATTORNEY | Direct payment from the plan; Legal Service code 29 | 264 W. 40TH STREET NEW YORK, NY 10018 | $6K |
| TRIPLE C COMPUTER EIN 11-3305704 COMPUTER SERVICE | Direct payment from the plan; Other services Service code 49 | 1743 ALADDIN AVENUE NEW HYDE PARK, NY 11040 | $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 | 2,009 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,009 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE INSURANCE CO. | 1,836 | $0 |
| Other | HARTFORD LIFE INSURANCE CO. | 1,836 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,836 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.