| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNION BENEFIT PLANNERS,3 Filed as: UNION BENEFIT PLANNERS, INC. | 181 NEW ROAD SUITE 304 PARSIPPANY, NJ 07054 | HCC LIFE INSURANCE COMPANY | $32K | — | $32K | 15.00% |
| ACRISURE LLC3 Filed as: ACRISURE INSURANCE AGENCY, LLC | 34 JAROMBEK DRIVE TOWACO, NJ 07082 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 21.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON BLUE CROSS & BLUE SHIELD EIN 22-0999690 NONE | Claims processing Service code 12 | — | $857K |
| ENNIS HARGADON, LLC EIN 47-1121653 NONE | Accounting (including auditing) Service code 10 | — | $143K |
| ELAINE ALESSIO EIN 22-2004832 EMPLOYEE | Employee (plan) Service code 30 | — | $122K |
| METS SCHIRO MCGOVERN & PARIS, LLP EIN 75-3116930 NONE | Legal Service code 29 | — | $91K |
| JBM COMPUTER CONSULTANTS, INC. EIN 16-1173118 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $76K |
| SPECIAIZED PHARMACY SOLUTIONS EIN 86-1061619 NONE | Claims processing Service code 12 | — | $75K |
| CARMELLA RICCI EIN 22-2004832 EMPLOYEE | Employee (plan) Service code 30 | — | $53K |
| D.D. SERVICES, INC. EIN 11-2705347 NONE | Claims processing Service code 12 | — | $44K |
| MARY JO ESPOSITO EIN 22-2004832 EMPLOYEE | Employee (plan) Service code 30 | — | $36K |
| RITA CUZZI EIN 22-2004832 EMPLOYEE | Employee (plan) Service code 30 | — | $34K |
| TEAMSTERS CENTER SERVICES FUND EIN 13-1964856 NONE | Claims processing Service code 12 | — | $34K |
| KIARA LEWIS EIN 22-2004832 EMPLOYEE | Employee (plan) Service code 30 | — | $33K |
| CAROLINA GOROSITO EIN 22-2004832 EMPLOYEE | Employee (plan) Service code 30 | — | $33K |
| SUMMIT ACTUARIAL SERVICES, LLC EIN 20-3838633 NONE | Actuarial Service code 11 | — | $26K |
| HEALTHPLEX, INC. EIN 11-2714365 NONE | Claims processing Service code 12 | — | $23K |
| UBS FINANCIAL SERVICES, INC. EIN 13-2638166 NONE | Investment management fees paid directly by plan; Investment advisory (plan); Investment management Service code 27 | — | $17K |
| COMERICA BANK EIN 42-1741646 NONE | Custodial (securities) Service code 19 | — | $4K |
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 | 1,977 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,985 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,473 | $26K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 317 | $211K |
| Other | HARTFORD LIFE AND ACCIDENT | 1,473 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,473 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.