| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBERTS & HARRISON INC3 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 |
|---|---|---|---|
| LISA QUELI EIN 22-2811469 EMPLOYEE | Employee (plan) Service code 30 | 52 YORK ROAD NORTH ARLINGTON, NJ 07031 | $112K |
| JODI DASILVA EIN 22-2811469 EMPLOYEE | Employee (plan) Service code 30 | 117 HAGAMAN STR CARTERET, NJ 07008 | $101K |
| GLOBAL PHARMACEUTICAL EIN 27-3340151 CONSULTANT | Consulting (general) Service code 16 | 222 LAFAYETTE STREET NEWARK, NJ 07105 | $89K |
| JOANNA DITRI EIN 22-2811469 EMPLOYEE | Employee (plan) Service code 30 | 19 CLAIRE COURT EAST HANOVER, NJ 07936 | $70K |
| HBK LLC EIN 34-1897225 ACCOUNTANT | Accounting (including auditing) Service code 10 | 100 WALNUT AVENUE SUITE 103 CLARK, NJ 07066 | $59K |
| ISSI EIN 52-1796473 CONSULTANT | Consulting (general) Service code 16 | 3000 SOUTH LENOLA ROAD, MAPLE SHADE, NJ 08052 | $51K |
| DENOIA LAW FIRM LLC EIN 85-3493615 LEGAL | Legal Service code 29 | 36 DEPOT STREET VERONA, NJ 07044 | $41K |
| CHRIS MARKOVICH EIN 15-0746345 CONSULTANT | Consulting (general) Service code 16 | 7 BERKSHIRE COURT, LEBANON, NJ 08830 | $37K |
| VERTILOCITY EIN 83-2599200 CONSULTANT | Consulting (general) Service code 16 | 1370 WASHINGTON PIKE SUITE 101 BRIDGEVILLE, PA 15017 | $14K |
| CONTEXT HEALTHCARE EIN 27-0386030 CONSULTANT | Consulting fees Service code 70 | 55 SHULMAN BLVD, SUITE 650 NAPERVILLE, IL 60563 | $14K |
| CBIZ EIN 22-2769024 CONSULTANT | Actuarial Service code 11 | 1845 WALNUT STREET 14TH FLOOR PHILADELPHIA, PA 19103 | $14K |
| TRICARE EIN 22-2758710 ADMINISTRATOR | Claims processing Service code 12 | 623 EAGLE ROCK AVENUE WEST ORANGE, NJ 07052 | $13K |
| SEGAL EIN 13-1835864 CONSULTANT | Consulting (general) Service code 16 | 333 WEST 34TH STREET NEW YORK, NY 10001 | $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 | 406 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 406 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE CO. | 406 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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.