| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 | 333 W 34TH ST NEW YORK, NY 10001 | THE UNION LABOR LIFE INSURANCE COMPANY | $39K | — | $39K | 7.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES, INC. EIN 22-0999690 NONE | Contract Administrator Service code 13 | 3 PENN PLAZA EAST NEWARK, NJ 07105 | $503K |
| KENNETH CRANDALL EIN 22-2945933 EMPLOYEE | Employee (plan) Service code 30 | 81 ADAMS AVE HAWORTH, NJ 07641 | $102K |
| MARIA DOLORES LOPEZ EIN 22-2945933 EMPLOYEE | Employee (plan) Service code 30 | 43 6TH ST NORTH ARLINGTON, NJ 07031 | $94K |
| INNOVATIVE SOFTWARE SOLUTIONS, INC. EIN 23-2182079 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | TWO EXECUTIVE CAMPUS SUITE 400 ROUTE 70 CUTHBERT BOULEVARD CHERRY HILL, NJ 08002 | $88K |
| VIRGINIA & AMBINDER, LLP EIN 13-4166736 NONE | Legal Service code 29 | 40 BROAD STREET 7TH FLOOR NEW YORK, NY 10004 | $86K |
| CHARTWELL INVESTMENT PARTNERS EIN 36-4776242 NONE | Investment management Service code 28 | 1205 WESTLAKES DRIVE SUITE 100 BERWYN, PA 19312 | $73K |
| JANET DEPASQUALE EIN 22-2945933 EMPLOYEE | Employee (plan) Service code 30 | 3 CARYN PLACE FAIRFIELD, NJ 07004 | $55K |
| MARIA PERRELLI EIN 22-2945933 EMPLOYEE | Employee (plan) Service code 30 | 90 CEDAR ST EAST HANOVER, NJ 07936 | $54K |
| MARIA RIBEIRO EIN 22-2945933 EMPLOYEE | Employee (plan) Service code 30 | 47 WINDSOR ST KEARNY, NJ 07032 | $54K |
| JERYL HERNANDEZ EIN 22-2945933 EMPLOYEE | Employee (plan) Service code 30 | 6 SCOTT DRIVE FAIRFIELD, NJ 07004 | $48K |
| SCHULTHEIS & PANATTIERI LLP EIN 13-1577780 NONE | Accounting (including auditing) Service code 10 | 210 MARCUS BOULEVARD HAUPPAUGE, NY 11788 | $38K |
| SUSANIN WIDMAN & BRENNAN PC EIN 23-2265950 NONE | Legal Service code 29 | 1001 OLD CASSATT ROAD SUITE 306 BERWYN, PA 19312 | $36K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Consulting (general) Service code 16 | 333 WEST 34TH ST NEW YORK, NY 10001 | $34K |
| RICHARD J. CUMMINGS, CPA EIN 22-3346148 NONE | Accounting (including auditing) Service code 10 | 11 STATE ST HACKENSACK, NJ 07601 | $33K |
| COMERICA BANK EIN 42-1741646 NONE | Custodial (securities) Service code 19 | MC 3464 411 W LAFAYETTE DETROIT, MI 48226 | $6K |
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 | 852 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 852 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 0 | $545K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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.