| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 | 333 WEST 34TH STREET NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMPANY | $120K | $15K | $135K | 3.94% |
| CONTEMPORARY STRATEGIC SOLUTIONS3 | 19 WILLOW LANE SPRING LAKE HEIGHTS, NJ 07762 | THE UNION LABOR LIFE INSURANCE COMPANY | — | $69K | $69K | 2.00% |
| ACRISURE LLC3 Filed as: ACRISURE PGM INSURANCE SERVICES | 311 CLOCK TOWER COMMONS DR BREWSTER, NY 10509 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 5.99% |
| GA SOLUTIONS LLC3 | 311 CLOCK TOWER COMMONS DR BREWSTER, NY 10509 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON BC/BS OF NJ EIN 22-0999690 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $3.3M |
| EMPIRX HEALTH, LLC EIN 47-1226691 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $1.3M |
| PAYER MATRIX LLC EIN 81-3946362 NONE | Other services; Direct payment from the plan Service code 49 | — | $1.2M |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Direct payment from the plan; Consulting (general); Other commissions Service code 16 | — | $617K |
| GREEN LIGHT COST MANAGEMENT LLC EIN 45-5248276 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $529K |
| SLEVIN & HART PC EIN 52-1708613 NONE | Legal; Direct payment from the plan Service code 29 | — | $419K |
| CONIFER VALUE BASED CARE LLC EIN 52-1964905 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $409K |
| BRIDGEWAY BENEFIT TECHNOLOGIES EIN 52-1796473 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $377K |
| GLENN DIBIASI EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $363K |
| TELADOC HEALTH INC EIN 04-3705970 NONE | Other services; Direct payment from the plan Service code 49 | — | $297K |
| SWORD HEALTH INC EIN 37-1849452 NONE | Other services; Direct payment from the plan Service code 49 | — | $265K |
| VALENZ PROTEKHT LLC EIN 86-2650582 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $210K |
| BRENDA GARMA EIN 22-1458594 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $170K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 11-3658445 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $160K |
| BBH SOLUTIONS, INC. EIN 11-2982889 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $140K |
| DELTA DENTAL OF NEW JERSEY EIN 22-1896118 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $131K |
| NOVAK FRANCELLA, LLC EIN 61-1436956 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $130K |
| HYACINTH JOHNSON EIN 22-1458594 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $113K |
| SUANNE MCCORMACK EIN 22-1458594 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $112K |
| MONICA RODRIGUEZ EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $110K |
| DONNA SPERONE EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $110K |
| SAVITA GANDOTRA EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $109K |
| ROBIN PEREZ EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $106K |
| JOANN THEURET EIN 22-1458594 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $106K |
| JACQUELINE VITALE EIN 22-1458594 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $106K |
| RENA SVOKOS EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $105K |
| NATALINA MEDINA EIN 22-1458594 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $99K |
| DAWN QUINN EIN 22-1458594 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $98K |
| PEGGIE MORGAN EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $98K |
| NANDINA VALENCIA NOWICKI EIN 22-1458594 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $97K |
| SUSAN STUCKEY EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $94K |
| MELINDA NYE ROMAINE EIN 22-1458594 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $93K |
| LUZ RODRIGUEZ EIN 22-1458594 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $93K |
| PEDRO GONZALEZ EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $92K |
| EMILY TON EIN 22-1458594 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $89K |
| CINDY HERNANDEZ EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $88K |
| MELISSA JAIMES EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $88K |
| TRACEY RUTAN EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $87K |
| EBONY MCCULLAM EIN 22-1458594 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $87K |
| KAREN CHAN EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $86K |
| KAREN BUCHANAN EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $84K |
| HAYDELIZA JAVIER-SANTOS EIN 22-1458594 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $82K |
| CHERYL GOHLESTON EIN 22-1458594 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $81K |
| JUAN PACHECO EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $80K |
| LAURA MARTE EIN 22-1458594 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $77K |
| MARISELA V RUIZ EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $76K |
| HEALTHSMART PREFERRED NETWORK II EIN 06-1621470 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $64K |
| MFS INVESTMENT MANAGEMENT EIN 04-2747644 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $64K |
| ROBIN GOODMAN EIN 22-1458594 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $63K |
| ZELIS PAYMENTS, LLC EIN 45-2579291 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $59K |
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 | 8,384 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 463 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 8,847 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. HI REG | 31 | $201K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 68 | $48K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 9,082 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,082 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.