| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 | 333 WEST 34TH STREET NEW YORK, NY 10001 | GRANULAR INSURANCE COMPANY | $120K | $68K | $188K | 10.29% |
| ACRISURE LLC3 Filed as: ACRISURE PGM INSURANCE SERVICES | 311 CLOCK TOWER COMMONS DR BREWSTER, NY 10509 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 6.86% |
| 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 | — | $2.9M |
| EMPIRX HEALTH, LLC EIN 47-1226691 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $2.6M |
| PAYER MATRIX LLC EIN 81-3946362 NONE | Other services; Direct payment from the plan Service code 49 | — | $2.6M |
| THE SEGAL COMPANY EIN 06-0839113 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $364K |
| GLENN DIBIASI EIN 22-1458594 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $343K |
| CONIFER VALUE BASED CARE LLC EIN 52-1964905 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $324K |
| HEALTHSMART CARE MANAGEMENT SOLUTIO EIN 20-1504892 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $211K |
| BRIDGEWAY BENEFIT TECHNOLOGIES EIN 52-1796473 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $201K |
| LARRY MAGARIK, ESQ EIN 46-4963823 NONE | Legal; Direct payment from the plan Service code 29 | — | $183K |
| BRENDA GARMA EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $166K |
| 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 | — | $133K |
| DELTA DENTAL OF NEW JERSEY EIN 22-1896118 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $127K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 20-8764829 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $121K |
| HYACINTH JOHNSON EIN 22-1458594 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $116K |
| DONNA SPERONE EIN 22-1458594 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $115K |
| JOANN THEURET EIN 22-1458594 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $113K |
| INNOVATIVE SOFTWARE SOLUTIONS EIN 23-2182079 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $111K |
| SUANNE MCCORMACK EIN 22-1458594 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $110K |
| JACQUELINE VITALE EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $110K |
| MONICA RODRIGUEZ EIN 22-1458594 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $109K |
| MARISELA V RUIZ EIN 22-1458594 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $108K |
| SAVITA GANDOTRA EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $108K |
| ROBIN GOODMAN EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $108K |
| MARCIA GRAHAM EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $106K |
| NATALINA MEDINA EIN 22-1458594 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $105K |
| NOVAK FRANCELLA, LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $104K |
| DAWN QUINN EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $101K |
| ROBIN PEREZ EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $100K |
| NANDINA VALENCIA RIVERA EIN 22-1458594 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $98K |
| SUSAN STUCKEY EIN 22-1458594 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $96K |
| LAURA MARTE EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $94K |
| PEDRO GONZALEZ EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $92K |
| TRACEY RUTAN EIN 22-1458594 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $91K |
| LUZ RODRIGUEZ EIN 22-1458594 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $88K |
| KAREN BUCHANAN EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $85K |
| EMILY TON EIN 22-1458594 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $84K |
| JUAN PACHECO EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $81K |
| JAVIER-SANTOS, HAYDELIZA EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $80K |
| MELISSA JAIMES EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $79K |
| CINDY HERNANDEZ EIN 22-1458594 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $78K |
| RENA SVOKOS EIN 22-1458594 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $62K |
| MFS INVESTMENT MANAGEMENT EIN 04-2747644 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $58K |
| PART D ADVISORS, INC. EIN 20-2595200 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $56K |
| GALLAGHER BENEFIT SERVICES INC EIN 36-4291971 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $50K |
| KAREN CHAN EIN 22-1458594 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $48K |
| DR. ANITA NISCHAL NONE | Consulting (general); Direct payment from the plan Service code 16 | 200 PERRINE RD STE 230 OLD BRIDEG, NJ 08857 | $48K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $45K |
| BOYD WATTERSON ASSET MANAGEMENT EIN 34-1922005 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $41K |
| ROBYN REICHARD NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 292 TIMBERLINE RD. MOUNTAINSIDE, NJ 07092 | $37K |
| METASOURCE, LLC EIN 26-0771758 NONE | Other services; Direct payment from the plan Service code 49 | — | $23K |
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 | 9,088 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 542 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 9,630 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 53 | $33K |
| Stop-loss / reinsurancereinsurance | GRANULAR INSURANCE COMPANY | 8,597 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,597 | — |
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."
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.