| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTOMARE FINANCIAL GROUP, INC.3 Filed as: ALTOMARE FINANCIAL GROUP, INC | 1680 ROUTE 23 N WAYNE, NJ 07470 | HORIZON HEALTHCARE SERVICES, INC. | $24K | $5K | $30K | 5.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HAYLEY MAYNARD EIN 13-5624635 NONE | Employee (plan) Service code 30 | 1460 MORRIS AVE STE 3A UNION, NJ 07083 | $69K |
| FATIMA BROWN EIN 13-5624635 NONE | Employee (plan) Service code 30 | 1460 MORRIS AVE STE 3A UNION, NJ 07083 | $64K |
| CWA LOCAL 14156 RELATED UNION | Other services Service code 49 | 1460 MORRIS AVE STE 3A UNION, NJ 07083 | $41K |
| GOULD, KOBRICK & SCHLAPP, P.C. EIN 13-3082707 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 192 LEXINGTON AVE SUITE 700 NEW YORK, NY 10016 | $20K |
| FISHER BROYLES LLP EIN 56-2332885 NONE | Legal Service code 29 | 945 EAST PACES FERRY ROAD SUITE 200 ATLANTA, GA 30326 | $19K |
| US BANK EIN 31-0841136 NONE | Custodial (securities) Service code 19 | PO BOX 70870 ST PAUL, MN 55170 | $15K |
| GALLAGHER FINANCIAL ADVISORS EIN 13-5624635 NONE | Investment advisory (plan) Service code 27 | PO BOX 71396 CHICAGO, IL 60694 | $14K |
| CHEIRON EIN 13-4215617 NONE | Actuarial Service code 11 | 8300 GREENSBORO DR SUITE 800 MC LEAN, VA 22102 | $8K |
| RAMIREZ ASSET MANAGEMENT EIN 13-5624635 NONE | Investment management Service code 28 | 61 BROADWAY ROOM 2924 NEW YORK, NY 10006 | $6K |
| SEGAL SELECT INSURANCE SERVICES 46- | Insurance brokerage commissions and fees Service code 53 | — | $2K |
| SEGAL SELECT INSURANCE SERVICES EIN 46-0619194 NONE | Insurance brokerage commissions and fees Service code 53 | — | $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 | 40 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 35 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 75 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 31 | $603K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 52 | $1K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 52 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 52 | — |
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.