No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KATHRYN ZIZZA EIN 22-1478216 EMPLOYEE | Contract Administrator; Direct payment from the plan Service code 13 | — | $159K |
| HEALTH CARE ADMIN EIN 22-2149588 ADMIN. | Contract Administrator; Direct payment from the plan Service code 13 | P.O. BOX 570 WEST PATERSON, NJ 07424 | $140K |
| JANNEY MONTGOMERY SCOTT LLC EIN 23-0731260 INVESTMENT ADVISER | Investment management Service code 28 | 1580 US HIGHWAY 206 BEDMINSTER, NJ 07921 | $100K |
| THE SEGAL COMPANY EIN 06-0839113 ACTUARY | Direct payment from the plan; Actuarial Service code 11 | 333 WEST 34TH STREET NEW YORK, NY 100012402 | $91K |
| LORI DIBENEDETTO EIN 22-1478216 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $90K |
| STATEWIDE HEALTH DATA SYSTEMS EIN 22-4434348 COMPUTER SERVICE | Direct payment from the plan; Consulting (general) Service code 16 | P.O. BOX 570 WEST PATERSON, NJ 07424 | $89K |
| BEDERSON LLP EIN 22-2978848 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | 100 PASSAIC AVENUE FAIRFIELD, NJ 07004 | $84K |
| ANNA ROMANO EIN 22-1478216 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $67K |
| ROSA VIGARIO EIN 22-1478216 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $66K |
| ANNA PANNELLA EIN 22-1478216 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $61K |
| DONNA CLADER EIN 22-1478216 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $60K |
| ZAZZALI ET AL EIN 22-1973215 ATTORNEY | Legal; Direct payment from the plan Service code 29 | 1 RIVERFRONT PLAZA NEWARK, NJ 07102 | $19K |
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 | 2,810 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,853 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,794 | $116K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,793 | $1.6M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 2,794 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,794 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.