| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JN SAVASTA CORP3 | 1350 BROADWAY SUITE 410 NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES INC EIN 22-0999690 NONE | Direct payment from the plan; Insurance agents and brokers; Contract Administrator Service code 13 | — | $952K |
| NATIONAL VISION ADMINISTRATORS EIN 74-3033381 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $292K |
| STACEY BRAUN ASSOCIATES INC. EIN 13-2889432 NONE | Investment management fees paid directly by plan; Soft dollars commissions; Investment management Service code 28 | — | $191K |
| SALVATRICE VERILLO EIN 22-6082349 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $128K |
| UNITED REVIEW SERVICES EIN 22-2853893 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $117K |
| MSPC CERTIFIED PUBLIC ACCOUNTANTS EIN 22-2951202 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $112K |
| INNOVATIVE SOFTWARE SOLUTIONS INC EIN 23-2182079 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Other fees Service code 15 | — | $104K |
| MICHELE PROCHOV EIN 22-6082349 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $89K |
| CHERYLANN CALISE EIN 22-6082349 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $88K |
| ZELIS CLAIMS INTEGRITY NONE | Direct payment from the plan; Other fees Service code 50 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07921 | $84K |
| RUTH THORTON EIN 22-6082349 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $78K |
| MICHALINA PACYNA EIN 22-6082349 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $66K |
| COHEN WEISS & SIMON LLP EIN 13-1592323 NONE | Legal; Direct payment from the plan Service code 29 | — | $62K |
| DIANE FOLLMER EIN 22-6082349 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $61K |
| SILVANA TURDO EIN 22-6082349 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $59K |
| MARGARITA DEACON EIN 22-6082349 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $59K |
| ANGELA REYES EIN 22-6082349 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $56K |
| NICOLE GRABINSKI EIN 22-6082349 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $55K |
| RIFAT FAMDANI EIN 22-6082349 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $54K |
| DAWN CARMODY-ITRI EIN 22-6082349 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $54K |
| NICOLE HUERTA EIN 22-6082349 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $54K |
| DEBRORAH RIONDA EIN 22-6082349 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $50K |
| TEAMSTERS CENTER SERVICES EIN 13-1964856 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $48K |
| IVETTE SOTO EIN 22-6082349 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $45K |
| O'SULLIVAN AND ASSOCIATES EIN 20-8199367 NONE | Actuarial; Direct payment from the plan; Consulting (general) Service code 11 | — | $33K |
| JENNIFER MARRETTA EIN 22-6082349 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $28K |
| ROYAL PRINTING SERVICES EIN 22-1898677 NONE | Direct payment from the plan; Other services Service code 49 | — | $26K |
| BANK OF AMERICA EIN 94-1687665 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $20K |
| PETER MCGOURTY EIN 46-4986646 TRUSTEE | Trustee (individual); Direct payment from the plan Service code 20 | — | $18K |
| STEINBERG STECKLER & PICCIURRO EIN 13-2665700 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $16K |
| FITZSIMMONS, KRANTZ & ABRAMS EIN 13-2858927 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $16K |
| SCHULTHESIS AND PANNETTIERI EIN 13-1577780 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $16K |
| CONTEXT 4 HEALTHCARE EIN 27-0386030 NONE | Direct payment from the plan; Other fees Service code 50 | — | $9K |
| RAYMOND J FANNER EIN 45-4230673 TRUSTEE | Trustee (individual); Direct payment from the plan Service code 20 | — | $8K |
| LYNCH & MURRAY EIN 22-3352529 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $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 | 2,017 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,039 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 2,214 | $903K |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 2,195 | $92K |
| Life insurance(2 contracts, 2 carriers) | THE UNION LABOR LIFE INSURANCE COMPANY | 1,512 | $202K |
| Short-term disability | THE UNION LABOR LIFE INSURANCE COMPANY | 1,378 | $118K |
| Other(2 contracts, 2 carriers) | THE UNION LABOR LIFE INSURANCE COMPANY | 1,512 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,214 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.