| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBERTS & HARRISON INC Filed as: EBERTS AND HARRISON INC. | 1604 RIDGESIDE DRIVE SUITE 203 MOUNT AIRY, MD 21771 | THE UNION LABOR LIFE INSURANCE CO. | $6K | — | $6K | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| QUALCARE, INC EIN 22-3129563 ADMINISTRATOR | Claims processing Service code 12 | 30 KNIGHTSBRIDGE RD PISCATAWAY, NJ 08854 | $117K |
| LISA QUELI EIN 22-2811469 EMPLOYEE | Employee (plan) Service code 30 | — | $101K |
| JODI DASILVA EIN 22-2811469 EMPLOYEE | Employee (plan) Service code 30 | — | $90K |
| JOANNA DITRI EIN 22-2811469 EMPLOYEE | Employee (plan) Service code 30 | — | $67K |
| SPIRE GROUP PC EIN 22-2846170 ACCOUNTANT | Accounting (including auditing) Service code 10 | 100 WALNUT AVENUE SUITE 103 CLARK, NJ 07066 | $45K |
| CAMMARATA, MCNULTY, GARRIGAN EIN 22-3485273 LEGAL | Legal Service code 29 | 549 SUMMIT AVENUE JERSEY CITY, NJ 07306 | $43K |
| CBIZ EIN 22-2769024 CONSULTANT | Actuarial Service code 11 | 1845 WALNUT STREET 14TH FLOOR PHILADELPHIA, PA 19103 | $18K |
| TRICARE EIN 22-2758710 ADMINISTRATOR | Claims processing Service code 12 | 623 EAGLE ROCK AVENUE WEST ORANGE, NJ 07052 | $13K |
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 | 525 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 526 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE CO. | 525 | $31K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE CO. | 525 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 525 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.