| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNION BENEFIT PLANNERS,3 Filed as: UNION BENEFIT PLANNERS, INC. | 181 NEW RD, SUITE 304 PARSIPPANY, NJ 07054 | FIRST UNUM LIFE INSURANCE COMPANY | $51K | $8K | $59K | 5.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTH CHOICE ASSURANCE, INC EIN 23-7391136 NONE | Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $2.0M |
| SLEVIN & HART, PC EIN 52-1708613 PRO SRVS REL ORGS | Legal Service code 29 | — | $262K |
| VISION SCREENING, INC. EIN 11-2358021 NONE | Contract Administrator Service code 13 | — | $183K |
| ROBERT DULISSE EIN 23-7255573 PRO SRVS REL ORGS | Plan Administrator Service code 14 | — | $176K |
| EXPRESS SCRIPTS HOLDING CO. EIN 22-3461740 NONE | Claims processing; Contract Administrator Service code 12 | — | $169K |
| BUCHBINDER TUNICK & COMPANY LLP EIN 13-1578842 PRO SRVS REL ORGS | Accounting (including auditing) Service code 10 | — | $142K |
| VINCENT ZITO EIN 23-7255573 PRO SRVS REL ORGS | Employee (plan) Service code 30 | — | $141K |
| EULALIA ZITO EIN 23-7255573 PRO SRVS REL ORGS | Employee (plan) Service code 30 | — | $121K |
| JOSEPHINE RUFFINO EIN 23-7255573 PRO SRVS REL ORGS | Employee (plan) Service code 30 | — | $91K |
| MARIA PEDOTA EIN 23-7255573 PRO SRVS REL BEN PLANS | Employee (plan) Service code 30 | — | $84K |
| SEAN R. MCGINLEY EIN 23-7255573 PRO SRVS FOR REL EBP | Employee (plan) Service code 30 | — | $84K |
| JO ANN ISOLANO EIN 23-7255573 PRO SRVS REL EBP | Employee (plan) Service code 30 | — | $83K |
| BRIAN CHABRA EIN 23-7255573 PRO SRVS REL ORGS | Employee (plan) Service code 30 | — | $80K |
| HILDER L. LAVERDE EIN 23-7255573 PRO SRVS REL EBP | Employee (plan) Service code 30 | — | $73K |
| DONNA A. SCALA EIN 23-7255573 PRO SRVS REL ORGS | Employee (plan) Service code 30 | — | $72K |
| DONNA A. SCHUSTER EIN 23-7255573 PRO SRVS REL ORGS | Employee (plan) Service code 30 | — | $71K |
| NANCY FENEZIA EIN 23-7255573 PRO SRVS REL ORGS | Employee (plan) Service code 30 | — | $67K |
| AMBRINA ASLAM EIN 23-7255573 NONE | Employee (plan) Service code 30 | — | $64K |
| AMY GARTLAND EIN 23-7255573 NONE | Employee (plan) Service code 30 | — | $64K |
| ANNA E. VIRGONA EIN 23-7255573 PRO SRVS REL ORGS | Employee (plan) Service code 30 | — | $64K |
| MARGARET H. LAMONICA EIN 23-7255573 PRO SRVS FOR REL EBP | Employee (plan) Service code 30 | — | $60K |
| CORINNE DEODATO EIN 23-7255573 NONE | Employee (plan) Service code 30 | — | $59K |
| MARGARET M. DIFANO EIN 23-7255573 PRO SRVS REL EBP | Employee (plan) Service code 30 | — | $58K |
| SWARSATTIE BACHAN EIN 23-7255573 PRO SRVS FOR REL EBP | Employee (plan) Service code 30 | — | $57K |
| NICOLE C. BONGIORNO EIN 23-7255573 PRO SRVS REL ORG | Employee (plan) Service code 30 | — | $54K |
| MAUREEN JACKALA EIN 23-7255573 NONE | Employee (plan) Service code 30 | — | $54K |
| IRIS TORRES EIN 23-7255573 NONE | Employee (plan) Service code 30 | — | $51K |
| NORMA GAYLE EIN 23-7255573 NONE | Employee (plan) Service code 30 | — | $49K |
| YEEMAN PUN EIN 23-7255573 PRO SRVS REL EBP | Employee (plan) Service code 30 | — | $45K |
| KATHY CURTIN EIN 23-7255573 PRO SRVS FOR REL EBP | Employee (plan) Service code 30 | — | $42K |
| ROGER S. SANTOS EIN 23-7255573 NONE | Employee (plan) Service code 30 | — | $40K |
| FIRST ACTUARIAL CONSULTING, INC. EIN 26-3842522 PRO SRVS FOR REL EBP | Actuarial Service code 11 | — | $35K |
| MINTZ & GOLD LLP EIN 11-3179008 PRO SRVS REL BEN PLANS | Legal Service code 29 | — | $35K |
| MARYANN CATAPANO EIN 23-7255573 PRO SRVS REL EBP | Employee (plan) Service code 30 | — | $35K |
| MEYER, SUOZZI, ENGLISH & KLEIN, P.C EIN 11-2340639 PRO SRVS REL ORGS | Legal Service code 29 | — | $34K |
| DANIEL ISTRICO EIN 23-7255573 NONE | Employee (plan) Service code 30 | — | $28K |
| WARREN KABASH EIN 23-7255573 NONE | Employee (plan) Service code 30 | — | $28K |
| MACKAY SHIELDS EIN 13-4080466 PROV SRVS FOR REL EBP | Investment management fees paid directly by plan Service code 51 | — | $19K |
| SYNTONIC SYSTEMS, INC. EIN 13-2925049 PRO SRVS FOR REL EBP | Consulting (general) Service code 16 | — | $12K |
| MICRO SYSTEMS TECHNOLOGY, INC. EIN 22-3276479 PROV SRVS FOR REL EBP | Consulting (general) Service code 16 | — | $10K |
| MAXON ADMINISTRATORS, INC. EIN 52-1080377 PRO SRVS FOR REL EBP | Insurance agents and brokers Service code 22 | — | $8K |
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 | 4,667 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,808 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 8,475 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 8,509 | $1.0M |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 8,509 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,509 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.