| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 | 333 WEST 34TH STREET NEW YORK, NY 10001 | GRANULAR INSURANCE COMPANY | $102K | — | $102K | 4.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON BC/BS OF NJ EIN 22-0999690 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $3.1M |
| EMPIRX HEALTH, LLC EIN 47-1226691 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $3.0M |
| THE SEGAL COMPANY EIN 06-0839113 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $417K |
| CONIFER VALUE BASED CARE LLC EIN 52-1964905 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $316K |
| GLENN DIBIASI EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $298K |
| HEALTHSMART CARE MANAGEMENT SOLUTIO EIN 20-1504892 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $256K |
| INNOVATIVE SOFTWARE SOLUTIONS INC EIN 23-2182079 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $237K |
| BBH SOLUTIONS, INC. EIN 11-2982889 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $194K |
| LARRY MAGARIK, ESQ EIN 46-4963823 NONE | Legal; Direct payment from the plan Service code 29 | — | $191K |
| BRENDA GARMA EIN 22-1458594 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $155K |
| DELTA DENTAL OF NEW JERSEY EIN 22-1896118 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $149K |
| NOVAK FRANCELLA, LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $134K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 20-8764829 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $123K |
| MARCIA GRAHAM EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $111K |
| ROBIN PEREZ EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $111K |
| JOANN THEURET EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $109K |
| HYACINTH JOHNSON EIN 22-1458594 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $108K |
| SUANNE MCCORMACK EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $105K |
| ROBIN GOODMAN EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $105K |
| BROWN & BROWN OF MASSACHUSETTS EIN 27-4732361 NONE | Direct payment from the plan; Other services Service code 49 | — | $104K |
| MARISELA V RUIZ EIN 22-1458594 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $102K |
| JACQUELINE VITALE EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $102K |
| SAVITA GANDOTRA EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $100K |
| MONICA RODRIGUEZ EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $98K |
| JENNY JORDAN EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $96K |
| NANDINA VALENCIA RIVERA EIN 22-1458594 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $92K |
| PEDRO GONZALEZ EIN 22-1458594 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $88K |
| STUCKEY, SUSAN EIN 22-1458594 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $86K |
| NATALINA MEDINA EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $80K |
| DONNA SPERONE EIN 22-1458594 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $80K |
| TRACEY RUTAN EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $79K |
| LUZ RODRIGUEZ EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $79K |
| RENA SVOKOS EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $79K |
| EMILY TON EIN 22-1458594 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $74K |
| LAURA MARTE EIN 22-1458594 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $73K |
| DAWN QUINN EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $72K |
| MELISSA JAIMES EIN 22-1458594 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $71K |
| JUAN PACHECO EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $70K |
| CINDY HERNANDEZ EIN 22-1458594 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $68K |
| KAREN CHAN EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $65K |
| KAREN BUCHANAN EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $57K |
| GALLAGHER BENEFIT SERVICES INC EIN 36-4291971 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $50K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $50K |
| MFS INVESTMENT MANAGEMENT EIN 04-2747644 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $47K |
| GERALDINE SENACK EIN 22-1458594 TRUSTEE/INTERIM FD ADMIN | Direct payment from the plan; Trustee (individual) Service code 20 | — | $43K |
| NORMAN H. KUPFERSTEIN, M.D. NONE | Consulting (general); Direct payment from the plan Service code 16 | 5327 18TH AVENUE BROOKLYN, NY 11204 | $35K |
| ROBYN REICHARD NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 292 TIMBERLINE RD. MOUNTAINSIDE, NJ 07092 | $32K |
| PREFERRED ONE EIN 41-1846481 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $27K |
| SLEVIN & HART PC EIN 52-1708613 NONE | Direct payment from the plan; Legal Service code 29 | — | $26K |
| MAGNACARE LLC EIN 11-3426821 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $25K |
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 | 8,732 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 581 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 9,313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | GRANULAR INSURANCE COMPANY | 9,313 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,313 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.