| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LINKS INSURANCE SERVICES, LLC3 | PO BOX 610 SPRING LAKE, NJ 07762 | AMALGAMATED LIFE INSURANCE COMPANY | $28K | — | $28K | 3.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK | — | AMALGAMATED LIFE INSURANCE COMPANY | $14K | — | $14K | 1.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON BLUE CROSS BLUE SHIELD EIN 22-0999690 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $1.4M |
| KROLL, HEINEMAN, CARTON EIN 76-0760981 NONE | Legal; Direct payment from the plan Service code 29 | — | $266K |
| MICHAEL & CARROLL LLP NONE | Legal; Direct payment from the plan Service code 29 | 501 BROADWAY POINT PLEASANT BEACH, NJ 08742 | $232K |
| STEVE F CHARNEY EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $214K |
| TONYA MCNEIL EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $192K |
| GEORGE FERNETT EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $175K |
| PHIL COONEY EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $172K |
| MARY GULBRONSON EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $162K |
| CAROL TUCKER EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $161K |
| BEN CAMACHO SR. EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $157K |
| HGK ASSET MANAGEMENT INC EIN 52-1296988 NONE | Investment management fees paid indirectly by plan; Trustee (bank, trust company, or similar financial institution); Investment management fees paid directly by plan; Soft dollars commissions Service code 21 | — | $146K |
| FRANCIS WEIKEL EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $142K |
| IAN RUEGG EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $141K |
| REVOLT GROUP LLC NONE | Direct payment from the plan; Other services Service code 49 | 929 S HIGH ST SUITE 182 WEST CHESTER, PA 19382 | $140K |
| DEBBIE KWIATEK EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $130K |
| CHARTWELL INVESTMENT PARTNERS LLC EIN 36-4776242 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $130K |
| RACHEL CORRADI EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $122K |
| LAURA N BASS EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $116K |
| NANCY MATHEWS EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $108K |
| JANET MIELE EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $102K |
| COLUMBIA PARTNERS LLC EIN 52-1940739 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $100K |
| EXPRESS SCRIPTS INC EIN 22-3461740 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $93K |
| BONADIO & CO LLP NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 488 MADISON AVE, 23RD FL NEW YORK, NY 10022 | $88K |
| JAY BUHAY EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $87K |
| JOHN A SULLIVAN EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $84K |
| NANCY GRATZEL EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $84K |
| ALEXIA LEE EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $81K |
| JOANNE MANFRE EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $75K |
| FIRST ACTUARIAL CONSULTING INC. EIN 26-3842522 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $72K |
| MARY FITZPATRICK EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $71K |
| JOHN R GREEN EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $70K |
| PATRICIA J DIAMOND EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $70K |
| CAROLE FACKINA EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $64K |
| MAE HOWARD EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $64K |
| KATELYN LAUFENBERG EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $64K |
| MARIANNE SMITH EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $61K |
| BEN KIESER EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $61K |
| ANNE MAJOR EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $61K |
| JUDY ISAACS EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $61K |
| ELAINE MCKENZIE EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $60K |
| STEVE J CHARNEY EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $59K |
| CHRISTINE A MCIVOR EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $59K |
| SUSANIN WIDMAN & BRENNAN PC EIN 23-2265950 NONE | Legal; Direct payment from the plan Service code 29 | — | $58K |
| MERRILYN GUARDINO EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $58K |
| DAVE SHEOLA EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $58K |
| STEPHANIE ABASS-SHEREEF EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $57K |
| ANN MARIE TRIOLA EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $56K |
| SALLY RODRIGUEZ EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $56K |
| JACQUELINE ERVIN EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $55K |
| DULCE SYLVESTER EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $55K |
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 | 5,996 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,996 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | AMALGAMATED LIFE INSURANCE COMPANY | 7,380 | $857K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,380 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.