| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN H BLASCH3 | 71 BEECHWOOD LANE BERKELEY HEIGHTS, NJ 07922 | HARTFORD LIFE INSURANCE COMPANY | $113K | — | $113K | 13.85% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1390 WILLOW PASS RD STE 800 CONCORD, CA 945207924 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $7K | 4.53% |
| JOHN H BLASCH | 71 BEECHWOOD LANE BERKELEY HEIGHTS, NJ 07922 | HARTFORD LIFE INSURANCE COMPANY | $9K | — | $9K | 9.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GEORGE BUENO EIN 13-3050863 EMPLOYEE OF REL'D ORGNS | Employee (plan); Direct payment from the plan Service code 30 | — | $81K |
| MORGAN STANLEY WEALTH MGMT EIN 26-4310632 INV'T MNGR FOR REL'D PLAN | Investment management fees paid directly by plan; Securities brokerage; Custodial (securities); Investment advisory (plan); Securities brokerage commissions and fees Service code 19 | — | $67K |
| DOREEN PECORA EIN 13-3050863 EMPLOYEE OF REL'D ORGNS | Employee (plan); Direct payment from the plan Service code 30 | — | $63K |
| SAGE ADVISORY SERVICES LTD CO EIN 74-2798841 INV'T MNGR FOR REL'D PLAN | Investment management; Investment management fees paid directly by plan Service code 28 | — | $61K |
| WEAVER AND TIDWELL, LLP EIN 75-0786316 AUDITOR FOR REL'D ORG'NS | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $48K |
| SAVASTA AND COMPANY, INC. EIN 13-3879959 ACTUARY FOR REL'D PLAN | Actuarial; Direct payment from the plan Service code 11 | — | $45K |
| GAETANO MARRA EIN 13-3050863 EMPLOYEE OF REL'D ORGNS | Direct payment from the plan; Employee (plan) Service code 30 | — | $40K |
| JORDAN BESS EIN 13-3050863 EMPLOYEE OF REL'D ORGNS | Direct payment from the plan; Employee (plan) Service code 30 | — | $37K |
| MANNING & NAPIER ADVISORS, LLC EIN 45-3328488 ADVISER FOR REL'D PLAN | Investment management fees paid directly by plan; Investment management Service code 28 | — | $36K |
| ANDREW CROSS EIN 13-3050863 EMPLOYEE OF REL'D ORGNS | Employee (plan); Direct payment from the plan Service code 30 | — | $36K |
| ANDREW L. MONTELEONE, ESQ EIN 05-0402866 NONE | Legal; Direct payment from the plan Service code 29 | 51 NEWARK STREET, SUITE 404 HOBOKEN, NJ 07030 | $30K |
| MARIALAINA CAMPISI EIN 13-3050863 EMPLOYEE OF REL'D ORGNS | Employee (plan); Direct payment from the plan Service code 30 | — | $28K |
| TRACEY BIONDI EIN 13-3050863 EMPLOYEE OF REL'D ORGNS | Direct payment from the plan; Employee (plan) Service code 30 | — | $28K |
| FANIELA GONZALEZ EIN 13-3050863 EMPLOYEE OF REL'D ORGNS | Employee (plan); Direct payment from the plan Service code 30 | — | $27K |
| JEROME BRANCATO EIN 13-3050863 EMPLOYEE OF REL'D ORGNS | Direct payment from the plan; Employee (plan) Service code 30 | — | $26K |
| MEDICUS IT LLC EIN 82-0781296 ADVISER FOR REL'D PLAN | Consulting (general); Investment management fees paid directly by plan Service code 16 | — | $23K |
| FIRST STATE TRUST COMPANY EIN 13-3124172 CUSTODIAN FOR RELATED PLA | Investment management fees paid directly by plan; Custodial (securities) Service code 19 | — | $16K |
| ROBERT H. BOGUCKI, P.C. EIN 13-3397205 ATTORNEY OF REL'D ORGNS | Legal; Direct payment from the plan Service code 29 | — | $8K |
| GIBLIN & LYNCH LLC EIN 22-2372248 ATTORNEY OF REL'D ORGNS | Legal; Direct payment from the plan Service code 29 | — | $8K |
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 | 1,012 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 331 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,343 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 205 | $800K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 4,008 | $157K |
| Short-term disability(2 contracts) | HARTFORD LIFE INSURANCE COMPANY | 900 | $915K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 4,008 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,008 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.