| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONTEMPORARY STRATEGIC SOLUTIONS4 | 19 WILLOW LANE SPRING LAKE HEIGHTS, NJ 07762 | THE UNION LABOR LIFE INSURANCE COMPANY | $34K | — | $34K | 2.00% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 7.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $977K |
| EMPIRX HEALTH EIN 47-1226691 NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $675K |
| CATHERINE OAKES EIN 22-1644608 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $101K |
| ANTONIO PETILLO EIN 22-1644608 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $62K |
| MARY GENTILE EIN 22-1644608 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $56K |
| LYNN THOMSON EIN 22-1644608 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $50K |
| MSPC EIN 22-2951202 ACCT FOR LOCAL 125 | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $47K |
| JENNIFER CHERMAK EIN 22-1644608 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $43K |
| MB CONNAUGHTON ESQS., LLC EIN 30-0990582 ATTY FOR LOCAL 125 | Legal; Direct payment from the plan Service code 29 | — | $40K |
| O'SULLIVAN ASSOCIATES, INC. EIN 20-8199367 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $40K |
| AMALGAMATED BANK OF CHICAGO EIN 36-0721895 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $38K |
| 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 | — | $32K |
| ATALANTA SOSNOFF CAPITAL, LLC EIN 20-0461050 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $27K |
| BRIDGEWAY BENEFIT TECHNOLOGY EIN 52-1796473 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $25K |
| DEALY & SILBERSTEIN, LLP EIN 46-0507412 NONE | Legal; Direct payment from the plan Service code 29 | — | $21K |
| INFORMATION BUSINESS TECHNOLOGY EIN 22-3388652 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $18K |
| AMERICAN REALTY ADVISORS EIN 33-0123114 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $13K |
| NATIONAL VISION ADMINISTRATORS, LLC EIN 74-3033381 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $8K |
| INVESTMENT PERFORMANCE SERVICES LLC EIN 58-2432390 NONE | Investment advisory (plan); Investment management fees paid directly by plan; Consulting (general) Service code 16 | — | $7K |
| LYNCH & MURRAY, CPA'S EIN 22-3352529 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $7K |
| U.S. BANK NATIONAL ASSOCIATION EIN 31-0841368 NONE | Custodial (securities); Direct payment from the plan Service code 19 | — | $4K |
| PAYER MATRIX, LLC EIN 81-3946362 NONE | Insurance brokerage commissions and fees Service code 53 | — | $0 |
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 | 2,030 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,034 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 3,032 | $903K |
| Life insurance | MADISON NATIONAL LIFE INSURANCE COMPANY | 2,029 | $81K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,054 | $1.7M |
| Other | MADISON NATIONAL LIFE INSURANCE COMPANY | 2,029 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,032 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.