| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCKINGHAM INSURANCE4 | 301 HYDE PARK DOYLESTOWN, PA 18902 | THE UNION LABOR LIFE INSURANCE COMPANY | $42K | — | $42K | 4.42% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $927K |
| DJ O'GRADY EIN 13-3606747 NONE | Other services Service code 49 | — | $255K |
| BARRY REICH EIN 13-5549593 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $199K |
| MICHAEL HAFT EIN 13-5549593 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $154K |
| BIBI AMENA AHMAD EIN 13-5549593 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $152K |
| CARY KANE, PLLC EIN 88-1989795 LEGAL COUNSEL | Legal; Direct payment from the plan Service code 29 | — | $145K |
| BELKIS HENRIQUEZ EIN 13-5549593 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $138K |
| DHANRAJEE KHAN EIN 13-5549593 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $128K |
| AGNES D. PATRICK EIN 13-5549593 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $127K |
| ALBERT FERNANDEZ EIN 13-5549593 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $120K |
| D. LAFOND CONSULTING NONE | Consulting (general); Direct payment from the plan Service code 16 | 95 TENAFLY RD ENGLEWOOD, NJ 07631 | $111K |
| NILSA SANTIAGO-WILFOR EIN 13-5549593 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $110K |
| SANDRA ANTONUCCI EIN 13-5549593 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $107K |
| MARIA HENRIQUEZ EIN 13-5549593 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $107K |
| FRANCES SAEZ EIN 13-5549593 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $107K |
| HILTON HOPE EIN 13-5549593 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $106K |
| HEALTHPLEX, INC. EIN 11-2714365 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $103K |
| MICDALIA HARTKOPF EIN 13-5549593 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $96K |
| DENISE ANA HABIB EIN 13-5549593 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $94K |
| ELIZABETH MARTINEZ EIN 13-5549593 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $92K |
| MARYANN CURRIE EIN 13-5549593 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $86K |
| RAQUEL L. ZAS EIN 13-5549593 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $81K |
| MELINDA AGUERO EIN 13-5549593 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $79K |
| O'SULLIVAN AND ASSOCIATES EIN 20-8199367 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $57K |
| PURE LOGIC NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 148 W 24TH ST NEW YORK, NY 10011 | $54K |
| MILLER & MELLOMENT, CPAS EIN 13-3858233 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $54K |
| CHARLIE ESPOSITO NONE | Consulting (general); Direct payment from the plan Service code 16 | 43 PEACHSTONE RD HOWELL, NJ 07731 | $43K |
| INNOVATIVE SOFTWARE SOLUTIONS,INC EIN 23-2180279 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $40K |
| CALIBRE CPA GROUP, PLLC EIN 47-0900880 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $39K |
| MADON MALIN, PC EIN 13-3509284 NONE | Legal; Direct payment from the plan Service code 29 | — | $32K |
| CONFIDIO, LLC EIN 47-1826755 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $28K |
| OPTUMRX, INC EIN 33-0441200 NONE | Claims processing; Direct payment from the plan; Float revenue; Other fees Service code 12 | — | $27K |
| DEALY, SILBERSTEIN & BRAVERMAN LLP EIN 46-1749176 NONE | Legal; Direct payment from the plan Service code 29 | — | $20K |
| RSZ FORENSIC ASSOCIATES EIN 20-1942442 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $15K |
| ALLIANT INSURANCE SERVICE, INC. EIN 33-0785439 NONE | Insurance brokerage commissions and fees Service code 53 | — | $12K |
| AUTOMATIC DATA PROCESSING, INC EIN 22-1467904 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $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 | 2,404 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,426 | $960K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,426 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.