No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON BLUE CROSS NONE | Claims processing; Consulting (general); Direct payment from the plan Service code 12 | P.O. BOX 15306 NEWARK, NJ 071055306 | $1.2M |
| FABIAN AND BYRN, LLC EIN 25-1914887 NONE | Direct payment from the plan; Claims processing; Plan Administrator Service code 12 | — | $704K |
| GLOBAL PHARMACEUTICAL BENEFITS, LLC EIN 27-3340151 NONE | Claims processing; Direct payment from the plan Service code 12 | 222 LAFAYETTE STREET NEWARK, NJ 07105 | $453K |
| ZELIS CLAIMS INTERITY NONE | Claims processing; Direct payment from the plan Service code 12 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07921 | $350K |
| RAMIREZ ASSET MANAGEMENT NONE | Investment management fees paid directly by plan; Investment management Service code 28 | 61 BROADWAY NEW YORK, NY 10006 | $152K |
| MSPC EIN 22-2951202 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 340 NORTH AVENUE CRANFORD, NJ 07066 | $132K |
| INTERVENTION STRATEGIES NONE | Direct payment from the plan; Consulting (general) Service code 16 | 267 NE 6TH AVE. DELRAY BEACH, FL 33483 | $73K |
| BLACKROCK NONE | Investment management; Investment management fees paid directly by plan Service code 28 | 525 WASHINGTON BOULEVARD JERSEY CITY, NJ 07310 | $73K |
| CONGRESS ASSET MANAGEMENT COMPANY EIN 04-2848965 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | 2 SEAPORT LANE, 5TH FLOOR BOSTON, MA 02210 | $58K |
| ZAZZALI FAGELLA NONE | Legal; Direct payment from the plan Service code 29 | ONE RIVERFRONT PLAZA, SUITE 320 NEWARK, NJ 07101 | $44K |
| SUMMIT ACTUARIAL SERVICES EIN 77-0645890 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $36K |
| MPC CAPITAL ADVISORS, LLC NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | 622 THIRD AVE, 38TH FL. NEW YORK, NY 10017 | $30K |
| WILMINGTON TRUST, NATIONAL ASSOC. EIN 16-1486454 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | 1100 NORTH MARKET STREET WILMINGTON, DE 198900001 | $25K |
| TOBIA & LOVELACE, ESQS., LLC NONE | Legal; Direct payment from the plan Service code 29 | 5 SICOMAC ROAD HALEDON, NJ 07508 | $22K |
| CHIESA SHAHINIAN & GIANTOMASI PC NONE | Legal; Direct payment from the plan Service code 29 | ONE BOLAND DRIVE WEST ORANGE, NJ 07052 | $11K |
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 | 2,453 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 901 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 2,648 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,648 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.