| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONTEMPORARY STRATEGIC SOLUTIONS3 | 19 WILLOW LANE SPRING LAKE HEIGHTS, NJ 07762 | THE UNION LABOR LIFE INSURANCE COMPANY | $20K | — | $20K | 0.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 NONE | Float revenue; Other fees; Claims processing; Direct payment from the plan Service code 12 | — | $13.2M |
| EMPIRE HEALTHCHOICE ASSURANCE INC EIN 23-7391136 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Float revenue; Claims processing Service code 12 | — | $1.8M |
| JAMES O'HARE EIN 13-2873303 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $268K |
| THE SEGAL COMPANY EIN 06-0839113 NONE | Actuarial; Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees; Non-monetary compensation; Other commissions Service code 11 | — | $245K |
| DONNA OWENS EIN 13-2873303 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $162K |
| DAVIS VISION INC EIN 11-3051991 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $145K |
| MARSHALL & MOSS PAYROLL COMPLIANCE EIN 04-3652965 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $135K |
| GAIL DISALVO EIN 13-2873303 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $105K |
| TAYLOR MOROSKY EIN 13-2873303 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $94K |
| DARREN TURTON EIN 13-2873303 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $91K |
| DANA MANTAKIS EIN 13-2873303 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $87K |
| BARNES,IACCARINO & SHEPHERD, LLC EIN 43-1995226 NONE | Legal; Direct payment from the plan Service code 29 | — | $57K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $50K |
| RACHAEL MCGRAW EIN 13-2873303 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $48K |
| BRIGID AHERN EIN 13-2873303 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $47K |
| CIGNA EIN 59-1031071 NONE | Other services; Direct payment from the plan; Contract Administrator; Participant communication; Float revenue; Claims processing Service code 12 | — | $43K |
| FRANK GREENBERG EIN 13-2873303 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $42K |
| AMALGAMATED BANK EIN 13-4920330 NONE | Investment management fees paid directly by plan; Investment management fees paid indirectly by plan; Custodial (securities) Service code 19 | — | $42K |
| CHRISTINE CALLAHAN EIN 13-2873303 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $37K |
| MARSHALL & MOSS, LLP EIN 11-3360166 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $35K |
| VISION SCREENING INC. EIN 11-2358021 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $34K |
| COMPREHENSIVE HEALTHCARE SYSTEMS IN EIN 47-4496373 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $32K |
| WHITESTAR ADVISORS LLC EIN 03-0496641 NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | — | $31K |
| HEALTHPLEX EIN 11-2714365 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $31K |
| SEGAL MARCO ADVISORS INC EIN 13-2646110 NONE | Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | — | $30K |
| COMPREHENSIVE PROFESSIONAL SYS. INC EIN 13-3025997 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $28K |
| GENERAL VISION SERVICES, LLC EIN 11-3580576 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $28K |
| STARFIRE PRINTING NONE | Other fees; Direct payment from the plan Service code 50 | 751 COATES AVE N 31 HOLBROOK, NY 11741 | $16K |
| INNER IMAGING, PC NONE | Claims processing; Direct payment from the plan Service code 12 | 307 E. 63RD STREET NEW YORK, NY 10065 | $15K |
| DDS, INC. EIN 11-2705347 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $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 | 2,656 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 141 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,797 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,618 | $665K |
| Short-term disability | THE UNION LABOR LIFE INSURANCE COMPANY | 2,618 | $665K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,722 | $4.0M |
| Other(2 contracts) | THE UNION LABOR LIFE INSURANCE COMPANY | 2,618 | $899K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,722 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.