| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 261 MADISON AVE, SUITE 602 NEW YORK, NY 10016 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 4.95% |
| R C LAIN INC.3 | PO BOX 1117 PORT JERVIS, NY 12771 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 4.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 06-6033492 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $135K |
| PAUL A. MONTALBANO, ESQ., LLC EIN 04-3669184 ATTORNEY FOR LOCAL 701 | Legal; Direct payment from the plan Service code 29 | — | $86K |
| GIANCARLO PREZIOSO EIN 22-1594458 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $63K |
| MARY JO MIESZKUC EIN 22-1594458 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $54K |
| NILSA LAKE EIN 22-1594458 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $51K |
| CBIZ SAVITZ EIN 31-1582098 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $44K |
| BARBARA PURCELL EIN 22-1594458 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $26K |
| ENNIS HARGADON, LLC EIN 47-1121653 ACCOUNTANT FOR LOCAL 701 | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $22K |
| 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 | — | $18K |
| MORGAN, LEWIS & BOCKIUS, LLP EIN 23-0891050 NONE | Legal; Direct payment from the plan Service code 29 | — | $13K |
| ROCCO MORONGELLO EIN 22-1594458 TRUSTEE | Direct payment from the plan; Trustee (individual) Service code 20 | — | $12K |
| ANTHONY SIDOTI EIN 22-1594458 TRUSTEE | Trustee (individual); Direct payment from the plan Service code 20 | — | $11K |
| KEVIN J. DEMBINSKI, DMD EIN 22-2198817 NONE | Direct payment from the plan; Other services Service code 49 | — | $10K |
| THE BANK OF NEW YORK MELLON EIN 13-5160382 NONE | Investment management fees paid directly by plan; Custodial (securities) Service code 19 | — | $8K |
| J & J PRINTING CO. NONE | Direct payment from the plan; Other services Service code 49 | 1023 BROADWAY BAYONNE, NJ 07002 | $6K |
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 | 255 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 121 | $93K |
| Short-term disability | THE UNION LABOR LIFE INSURANCE COMPANY | 121 | $93K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 258 | $198K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 121 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.