| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNION BENEFIT PLANNERS,3 Filed as: UNION BENEFIT PLANNERS INC | 120 EAGLE ROCK AVE SUITE 195 EAST HANOVER, NJ 07936 | AETNA LIFE INSURANCE COMPANY | $19K | — | $19K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MARY GENTILE EIN 22-6298153 EMPLOYEE | Employee (plan) Service code 30 | 1845 UTICA AVE BROOKLYN, NY 11234 | $33K |
| MILLIMAN EIN 11-2214968 ACTUARY | Actuarial Service code 11 | ONE PENN PLAZA NEW YORK, NY 10119 | $30K |
| GKG CPAS EIN 13-3692922 ACCOUNTANT | Accounting (including auditing) Service code 10 | 777 CHESTNUT RIDGE ROAD CHESTNUT RIDGE, NY 10977 | $19K |
| LEWIS CLIFTON NIKOLAIDIS PC EIN 11-0209321 ATTORNEY | Legal Service code 29 | 275 SEVENTH AVE STE 2300 NEW YORK, NY 10001 | $11K |
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 | 239 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.