| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON PARTNERS NORTHEAST, INC. | 325 SENTRY PARKWAY EAST, SUITE 100 BLUE BELL, PA 19422 | THE UNION LABOR LIFE INSURANCE COMPANY | $36K | $24K | $60K | 8.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON PARTNERS NORTHEAST | 36 S. CHARLES STREET SUITE 100 BALTIMORE, MD 21201 | SYMETRA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES, INC. EIN 22-0999690 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $488K |
| BASYS, INC. EIN 52-1796473 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $287K |
| WILLIAM KOLFENBACH EIN 22-6041517 EMPLOYEE | Direct payment from the plan; Plan Administrator Service code 14 | — | $214K |
| BENECARD NONE | Claims processing; Direct payment from the plan Service code 12 | 3131 PRINCETON AVENUE LAWRENCEVILLE, NJ 08648 | $182K |
| MICHAEL ROSENSTOCK EIN 22-6041517 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $145K |
| BEATRIZ VENTURA EIN 22-6041517 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $131K |
| ANDREW ROOS EIN 22-6041517 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $128K |
| REIZA LOPEZ EIN 22-6041517 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $112K |
| ZULMA SANCLEMENTE-CONCHA EIN 22-6041517 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $106K |
| CLEARY, JOSEM & TRIGIANI EIN 23-2657967 NONE | Legal; Direct payment from the plan Service code 29 | — | $100K |
| BRIDGEWAY BENEFIT TECHNOLOGIES NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | 3000 S. LENOLA RD. STE 400 MAPLE SHADE, NJ 08052 | $88K |
| JENNIFER HANIUK EIN 22-6041517 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $85K |
| BOLTON PARTNERS NONE | Direct payment from the plan; Actuarial Service code 11 | 100 LIGHT STREET 9TH FLOOR BALTIMORE, MD 21202 | $78K |
| STEPHANIE SILVA EIN 22-6041517 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $71K |
| OLMEC EIN 22-3461295 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $64K |
| ERICA LAFORTE EIN 22-6041517 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $63K |
| TANIA GUERRERO EIN 22-6041517 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $62K |
| ROSA NUNEZ-BATISTA EIN 22-6041517 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $61K |
| DELTA DENTAL OF NJ EIN 22-1896118 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $52K |
| WEAVER C. BARKSDALE & ASSOCIATES NONE | Investment management fees paid directly by plan; Investment management Service code 28 | 1 BURTON HILLS BLVD. SUITE 100 NASHVILLE, TN 37215 | $44K |
| FISCHER DORWART, P.C. EIN 23-2247478 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $44K |
| GIOVANNA RUGGIERO EIN 22-6041517 EMPLOYEE | Plan Administrator; Direct payment from the plan Service code 14 | — | $44K |
| G. GILES EIN 22-6041517 EMPLOYEE | Direct payment from the plan; Plan Administrator Service code 14 | — | $42K |
| MILENA ROMANICHEN EIN 22-6041517 EMPLOYEE | Direct payment from the plan; Plan Administrator Service code 14 | — | $38K |
| CHRISTINA ROMAN EIN 22-6041517 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $38K |
| ANDREW D. PRINCE EIN 22-6041517 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $33K |
| MORGAN STANLEY NONE | Investment management fees paid directly by plan; Investment management Service code 28 | 1585 BROADWAY STREET NEW YORK, NY 10036 | $28K |
| JOSEPH R. PAGANO, PA EIN 22-2218660 NONE | Legal; Direct payment from the plan Service code 29 | — | $23K |
| MANNIER & NAPIER ADVISORS NONE | Investment management fees paid directly by plan; Investment management Service code 28 | 290 WOODCLIFF DRIVE FAIRPORT, NY 14450 | $8K |
| J.J. PIERSON, P.C. NONE | Legal; Direct payment from the plan Service code 29 | 51 JOHN F. KENNEDY PARKWAY SHORT HILLS, NJ 07078 | $5K |
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 | 1,018 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,054 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,054 | $100K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,054 | $713K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,054 | — |
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.