| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SOLID BENEFIT GUIDANCE3 Filed as: SOLID BENEFIT GUIDANCE LLC | 85 CHESTNUT RIDGE RD, STE 214 MONTVALE, NJ 07645 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, | $90K | — | $90K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.4 Filed as: GALLAGHER BENEFITS SERVICES | 250 PARK AVENUE NEW YORK, NY 10177 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, | — | $24K | $24K | 2.70% |
| JOHN H BLASCH3 | 71 BEECHWOOD LANE BERKLEY HEIGHTS, NJ 07922 | THE HARTFORD LIFE INSURANCE COMPANY | $6K | $1K | $7K | 25.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE CO EIN 23-7391136 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $2.4M |
| LOCAL 8A-28A WELFARE EIN 13-5624028 NONE | Direct payment from the plan; Other services Service code 49 | — | $144K |
| JOSEPH RAMAGLIA EIN 13-3562352 EMPLOYEE | Recordkeeping fees; Employee (plan) Service code 30 | — | $139K |
| BARNES, IACCARINO, & SHEPERD LLP EIN 26-3858697 NONE | Legal; Direct payment from the plan Service code 29 | — | $135K |
| KMR SYSTEMS CORP EIN 13-3192128 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $106K |
| MELISSA VELAZQUEZ EIN 13-3562352 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $93K |
| ZAIDA DE LA CRUZ EIN 13-3562352 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $81K |
| MARSHALL & MOSS,PAYROLL COMPLIANCE EIN 04-3652965 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $76K |
| MARSHALL & MOSS,LLP EIN 11-3360166 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $70K |
| PITTA LLP EIN 26-3852082 NONE | Legal; Direct payment from the plan Service code 29 | — | $60K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $45K |
| AMALGAMATED BANK OF NY EIN 13-4920330 NONE | Custodial (securities); Other services; Investment management fees paid directly by plan Service code 19 | — | $37K |
| ADMINISTRATIVE SERVICES ONLY EIN 11-2995970 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $35K |
| NOVAK FRANCELLA, LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $32K |
| DISTRIBUTED SYSTEM SERVICES INC EIN 23-2826293 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $17K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $16K |
| AMERICAN REALTY ADVISORS EIN 33-0123114 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $12K |
| LOCKTIGHT SOLUTIONS NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 2166 BROADWAY SUITE 17D NEW YORK, NY 10024 | $10K |
| METROPOLITAN MANAGEMENT SRVCS, INC. EIN 45-3845437 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $5K |
| SEGAL ROGERSCASEY EIN 13-2646110 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $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 | 1,041 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,068 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE HARTFORD LIFE INSURANCE COMPANY | 676 | $29K |
| Stop-loss / reinsurancereinsurance | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, | 660 | $900K |
| Other | THE HARTFORD LIFE INSURANCE COMPANY | 676 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 676 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.