| 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. | $7K | — | $7K | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| QUALCARE, INC EIN 22-3129563 ADMINISTRATOR | Claims processing Service code 12 | 30 KNIGHTSBRIDGE RD PISCATAWAY, NJ 08854 | $129K |
| LISA QUELI EIN 22-2811469 EMPLOYEE | Employee (plan) Service code 30 | 52 YORK ROAD NORTH ARLINGTON, NJ 07031 | $107K |
| JODI DASILVA EIN 22-2811469 EMPLOYEE | Employee (plan) Service code 30 | 117 HAGAMAN STR CARTERET, NJ 07008 | $95K |
| JOANNA DITRI EIN 22-2811469 EMPLOYEE | Employee (plan) Service code 30 | 19 CLAIRE COURT EAST HANOVER, NJ 07936 | $68K |
| HBK LLC EIN 34-1897225 ACCOUNTANT | Accounting (including auditing) Service code 10 | 100 WALNUT AVENUE SUITE 103 CLARK, NJ 07066 | $64K |
| CAMMARATA, MCNULTY, GARRIGAN EIN 22-3485273 LEGAL | Legal Service code 29 | 549 SUMMIT AVENUE JERSEY CITY, NJ 07306 | $36K |
| HBK IT EIN 83-2599200 CONSULTANT | Actuarial Service code 11 | 6603 SUMMIT DRIVE CANFIELD, OH 44406 | $27K |
| 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 | $12K |
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 | 538 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 538 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE CO. | 538 | $61K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE CO. | 538 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 538 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.