| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| H.J. KNIGHT INTERNATIONAL INSURANCE3 | — | AMALGAMATED LIFE INSURANCE COMPANY | $20K | $0 | $20K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON BLUE CROSS BLUE SHIELD EIN 22-1412244 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $1.5M |
| GEORGE LAUFENBERG EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $367K |
| KROLL HEINEMAN CARTON EIN 76-0760981 NONE | Legal; Direct payment from the plan Service code 29 | — | $345K |
| MSPC CPAS ADVISORS P C EIN 22-2951202 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $248K |
| STEVE CHARNEY EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $222K |
| JOHN SULLIVAN EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $218K |
| TONYA MCNEIL EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $206K |
| PHILLIP COONEY EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $184K |
| GEORGE FERNETT EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $182K |
| BENITO CAMACHO EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $163K |
| LISA ROKOSNY EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $162K |
| CAROL TUCKER EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $158K |
| MARY GULBRONSON EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $158K |
| EXPRESS SCRIPTS INC EIN 22-3461740 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $140K |
| PEK PRESS INC NONE | Other services; Direct payment from the plan Service code 49 | 7 ESSEX RD SCOTCH PLAINS, NJ 07076 | $135K |
| DEBBIE KWIATEK EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $131K |
| FRANCIS WEIKEL EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $129K |
| IAN RUEGG EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $126K |
| LAURA BASS EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $125K |
| HGK ASSET MANAGEMENT INC EIN 52-1296988 NONE | Investment management; Soft dollars commissions; Investment management fees paid directly by plan; Investment management fees paid indirectly by plan Service code 28 | — | $124K |
| RACHEL CORRADI EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $120K |
| JANET MIELE EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $115K |
| ALLIANCE DESIGN, INC NONE | Other services; Direct payment from the plan Service code 49 | 434 UNION BLVD. TOTOWA, NJ 07512 | $114K |
| CHARTWELL INVESTMENT PARTNERS EIN 36-4776242 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $113K |
| NANCY MATHEWS EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $107K |
| SUSANIN WIDMAN & BRENNAN PC EIN 23-2265950 NONE | Legal; Direct payment from the plan Service code 29 | — | $95K |
| ALEXIA LEE EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $94K |
| COLUMBIA PARTNERS LLC EIN 52-1940739 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $91K |
| JAY BUHAY EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $91K |
| KAREN LEYENDECKER EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $85K |
| NANCY GRATZEL EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $81K |
| JOANNE MANFRE EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $80K |
| JOHN GREEN EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $79K |
| KATELYN LAUFENBERG EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $77K |
| PATTY DIAMOND EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $76K |
| MARY FITZPATRICK EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $72K |
| BEULAH JONES EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $71K |
| SCHULTHEIS & PANETTIERI, LLP EIN 13-1577780 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $69K |
| PHARMACEUTICAL STRATEGIES GROUP EIN 27-2345574 NONE | Consulting (general) Service code 16 | — | $69K |
| KAREN KAUFMAN EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $67K |
| MERRILYN GUARDINO EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $65K |
| CAROLE FACKINA EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $64K |
| CHRISTINE MCIVOR EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $63K |
| STEVEN CHARNEY EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $63K |
| ANN MARIE TRIOLA EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $63K |
| STEPHANIE ABASS-SHEREEF EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $62K |
| MAE HOWARD EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $62K |
| ANNE MAJOR EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $61K |
| JUDY ISAACS EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $60K |
| DAVID SHEOLA EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $60K |
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 | 5,810 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,810 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | AMALGAMATED LIFE INSURANCE COMPANY | 7,071 | $402K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,071 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.