| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCKINGHAM INSURANCE4 | 301 HYDE PARK DOYLESTOWN, PA 18902 | THE UNION LABOR LIFE INSURANCE COMPANY | $55K | — | $55K | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $846K |
| DJ O'GRADY CONSULTANTS LIMITED EIN 13-3606747 NONE | Other services; Direct payment from the plan Service code 49 | — | $266K |
| BARRY REICH EIN 13-5549593 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $207K |
| MICHAEL HAFT EIN 13-5549593 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $162K |
| BIBI AMENA AHMAD EIN 13-5549593 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $152K |
| BELKIS HENRIQUEZ EIN 13-5549593 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $142K |
| D. LAFOND CONSULTING NONE | Direct payment from the plan; Consulting (general) Service code 16 | 95 TENAFLY RD ENGLEWOOD, NJ 07631 | $136K |
| AGNES D. PATRICK EIN 13-5549593 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $134K |
| DHANRAJEE KHAN EIN 13-5549593 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $131K |
| ALBERT FERNANDEZ EIN 13-5549593 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $123K |
| NILSA SANTIAGO-WILFOR EIN 13-5549593 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $120K |
| CARY KANE, PLLC EIN 88-1989795 LEGAL COUNSEL | Legal; Direct payment from the plan Service code 29 | — | $118K |
| SANDRA ANTONUCCI EIN 13-5549593 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $116K |
| HILTON HOPE EIN 13-5549593 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $115K |
| MARIA HENRIQUEZ EIN 13-5549593 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $111K |
| FRANCES SAEZ EIN 13-5549593 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $110K |
| MICDALIA HARTKOPF EIN 13-5549593 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $100K |
| DENISE ANA HABIB EIN 13-5549593 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $99K |
| ELIZABETH MARTINEZ EIN 13-5549593 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $98K |
| RAQUEL L. ZAS EIN 13-5549593 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $93K |
| ANDREA OCONNOR EIN 13-5549593 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $93K |
| MARYANN CURRIE EIN 13-5549593 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $91K |
| BRIDGEWAY BENEFIT TECHNOLOGIES EIN 52-1796473 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $88K |
| HEALTHPLEX, INC. EIN 11-2714365 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $69K |
| O'SULLIVAN AND ASSOCIATES EIN 20-8199367 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $59K |
| MILLER & MELLOMENT, CPAS EIN 13-3858233 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $50K |
| MADON MALIN, PC EIN 13-3509284 NONE | Legal; Direct payment from the plan Service code 29 | — | $49K |
| CHARLIE ESPOSITO NONE | Direct payment from the plan; Consulting (general) Service code 16 | 43 PEACHSTONE RD HOWELL, NJ 07731 | $47K |
| PURE LOGIC NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | 148 W 24TH ST NEW YORK, NY 10011 | $45K |
| DEALY, SILBERSTEIN & BRAVERMAN LLP EIN 46-1749176 NONE | Legal; Direct payment from the plan Service code 29 | — | $43K |
| CALIBRE CPA GROUP, PLLC EIN 47-0900880 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $39K |
| UNITED HEALTHCARE INSURANCE CO. EIN 41-2014834 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $27K |
| 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 | — | $10K |
| OPTUMRX, INC EIN 33-0441200 NONE | Direct payment from the plan; Other fees; Float revenue; Claims processing Service code 12 | — | $0 |
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 | 2,440 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,448 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,397 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,397 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.