See the carriers, broker commissions and premiums for this plan.
It also shows filing history and funding margin. Your first month is $4.99.
See 1 contract row with premium, retention and renewal dates. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
See commissions and fees for 1 broker row. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE EIN 22-0999690 NONE | Claims processing; Investment management fees paid directly by plan Service code 12 | 3 PENN PLAZA NEWARK, NJ 07105 | $112K |
| FABIAN & BYRN EIN 25-1914887 NONE | Investment management fees paid directly by plan; Contract Administrator Service code 13 | 204 EAGLE ROCK AVENUE ROSELAND, NJ 07068 | $50K |
| MSPC EIN 22-2951202 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 340 NORTH AVENUE EAST CRANFORD, NJ 07016 | $35K |
| COHEN, LEDER, MONTALBANO & CONNAUGH EIN 22-3185470 NONE | Legal; Direct payment from the plan Service code 29 | 669 RIVER DRIVE, SUITE 125 ELMWOOD PARK, NJ 07407 | $34K |
| SUMMIT ACTUARIAL SERVICES LLC NONE | Actuarial; Investment management fees paid directly by plan Service code 11 | 115 N. CHURCH STREET, SUITE 3 MOORESTOWN, NJ 08057 | $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 | 87 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 37 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 85 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 85 | — |
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. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.