| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIROWICH & ASSOCIATES (PBIRX, INC.)3 | 612 WHEELERS FARMS ROAD MILFORD, CT 06461 | THE UNION LABOR LIFE INSURANCE COMPANY | $6K | — | $6K | 6.00% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON INSURANCE CO. | — | AMERICAN GENERAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICE, INC. EIN 22-0999690 NONE | Other insurance fees and expenses Service code 73 | — | $160K |
| PHILOMENA LUCIDI EIN 22-1804923 EMPLOYEE | Employee (plan) Service code 30 | — | $124K |
| TRILOGY PARTNERS, INC. NONE | Accounting (including auditing) Service code 10 | 301 OXFORD VALLEY ROAD SUITE 1603A YARDLEY, PA 19067 | $65K |
| CHRISTINE PERSICHETTI EIN 22-1804923 EMPLOYEE | Employee (plan) Service code 30 | — | $63K |
| FABIAN & BRYN, LLC NONE | Claims processing Service code 12 | 425 EAGLE ROCK AVE SUITE 105 ROSELAND, NJ 07068 | $57K |
| LAUREN ROBINSON EIN 22-1804923 EMPLOYEE | Employee (plan) Service code 30 | — | $56K |
| LORI CUFF EIN 22-1804923 EMPLOYEE | Employee (plan) Service code 30 | — | $54K |
| ATTILIO BOUCHER EIN 22-1804923 EMPLOYEE | Employee (plan) Service code 30 | — | $34K |
| ZAZZALI, FAGELLA, NOWAK, KLEINBAUM NONE | Legal Service code 29 | ONE RIVERFRONT PLAZA NEWARK, NJ 07102 | $31K |
| EAST POINT DATA EIN 22-3123583 NONE | Consulting (general) Service code 16 | — | $31K |
| BRADFORD & MARZEC NONE | Investment management Service code 28 | 333 S. HOPE STREET SUITE 4050 LOS ANGELES, CA 90071 | $30K |
| RICHARD GABRIEL & ASSOCIATES NONE | Actuarial Service code 11 | 601 DRESHER ROAD HORSHAM, PA 19044 | $25K |
| MAXOR PLUS EIN 75-2676894 NONE | Claims processing Service code 12 | — | $24K |
| FISCHER DORWART, P.C. EIN 23-2247478 NONE | Accounting (including auditing) Service code 10 | — | $17K |
| PBIRX, INC. EIN 25-0687550 NONE | Consulting (general) Service code 16 | — | $14K |
| DAHAB ASSOCIATES NONE | Investment advisory (plan) Service code 27 | 423 S. COINTRY ROAD BAY SHORE, NY 11706 | $10K |
| U.S. BANK NONE | Custodial (securities) Service code 19 | 1025 CONNECTICUT AVENUE NW SUITE 517 WASHINGTON, DC 20036 | $8K |
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 | 409 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMERICAN GENERAL LIFE INSURANCE COMPANY | 253 | $11K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 409 | $96K |
| Other | AMERICAN GENERAL LIFE INSURANCE COMPANY | 253 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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.