| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC0 Filed as: LABOR FIRST , LLC | 1000 MIDLANTIC DRIVE, SUITE 100 MOUNT LAUREL, NJ 08054 | SIERRA HEALTH AND LIFE INSURANCE CO. INC. | — | $305K | $305K | 13.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Other services; Direct payment from the plan Service code 49 | — | $1.9M |
| ANTHEM HEALTH PLANS, INC EIN 06-1475928 NONE | Contract Administrator; Claims processing; Insurance brokerage commissions and fees; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance agents and brokers; Other commissions Service code 12 | — | $1.5M |
| ZELIS EIN 86-1040704 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $275K |
| ROBERT M. CHEVERIE & ASSOC., P.C. EIN 06-1335139 NONE | Legal; Direct payment from the plan Service code 29 | — | $145K |
| LOWER HUDSON VALLEY E.A.P. EIN 13-3240307 NONE | Direct payment from the plan; Other services Service code 49 | — | $127K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $90K |
| MORGAN STANLEY EIN 13-2655998 NONE | Investment management; Direct payment from the plan Service code 28 | — | $47K |
| CBIZ-SAVITZ,INC EIN 31-1582098 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $40K |
| RYAN LABS INC EIN 13-3451974 NONE | Investment management; Direct payment from the plan Service code 28 | — | $33K |
| LAPIER, DILLON & ASSOCIATES PC EIN 32-0048525 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $25K |
| EATON VANCE MANAGEMENT EIN 04-3101341 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $22K |
| PRIME PAY EIN 35-1720702 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $21K |
| SANTANDER BANK EIN 23-1237295 NONE | Direct payment from the plan; Other fees Service code 50 | — | $19K |
| ALLEGRA PRINT & IMAGING EIN 20-8067559 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $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 | 3,589 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,020 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,609 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 4,430 | $617K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 4,016 | $2.7M |
| Other(2 contracts, 2 carriers) | SIERRA HEALTH AND LIFE INSURANCE CO. INC. | 4,430 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,430 | — |
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.