| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC Filed as: LABOR FIRST, LLC | 1000 MIDLANTIC DRIVE, SUITE 100 MOUNT LAUREL, NJ 08054 | SIERRA HEALTH AND LIFE INSURANCE CO | $37K | — | $37K | 5.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM EIN 06-1475928 NONE | Contract Administrator; Claims processing; Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions; Direct payment from the plan; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $1.3M |
| EMPIRX EIN 47-1226691 NONE | Contract Administrator; Float revenue; Direct payment from the plan; Other fees; Claims processing Service code 12 | — | $337K |
| BASYS INC EIN 52-4796473 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $224K |
| EMPLOYEE E EIN 06-1188411 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $201K |
| MILLIMAN USA EIN 91-0675641 NONE | Direct payment from the plan; Consulting (general); Actuarial Service code 11 | — | $161K |
| EMPLOYEE I EIN 06-1188411 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $135K |
| EMPLOYEE K EIN 06-1188411 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $127K |
| EMPLOYEE C EIN 06-1188411 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $110K |
| DELTA DENTAL EIN 22-1896118 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $106K |
| LAW FIRM OF JOHN CREANE EIN 06-0941734 NONE | Legal; Direct payment from the plan Service code 29 | — | $104K |
| EMPLOYEE P EIN 06-1188411 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $83K |
| EMPLOYEE A EIN 06-1188411 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $83K |
| EMPLOYEE R EIN 06-1188411 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $81K |
| EMPLOYEE S EIN 06-1188411 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $81K |
| EMPLOYEE D EIN 06-1188411 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $70K |
| EMPLOYEE J EIN 06-1188411 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $69K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $65K |
| EMPLOYEE N EIN 06-1188411 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $57K |
| EMPLOYEE M EIN 06-1188411 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $54K |
| EMPLOYEE O EIN 06-1188411 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $51K |
| EMPLOYEE G EIN 06-1188411 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $51K |
| EMPLOYEE H EIN 06-1188411 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $51K |
| EMPLOYEE B EIN 06-1188411 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $41K |
| EMPLOYEE T EIN 06-1188411 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $39K |
| HINGE HEALTH, INC. EIN 81-1884841 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $38K |
| WRIGHT INVESTORS EIN 06-0931761 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $37K |
| CLAIMS TECHNOLOGIES INC EIN 42-1414040 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $32K |
| MARSHALL COMPUTERS EIN 03-0366924 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $28K |
| EMPLOYEE Q EIN 06-1188411 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $27K |
| BANK OF AMERICA EIN 94-1687665 NONE | Direct payment from the plan; Other fees; Custodial (securities) Service code 19 | — | $26K |
| NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $22K |
| LOOMIS SAYLES & COMPANY, LP EIN 04-3200030 NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | — | $22K |
| MARCO CONSULTING EIN 36-3555078 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $18K |
| PC CONNECTION INC EIN 02-0513618 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $15K |
| VIVEKA HEALTH NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 104 W 14TH ST NEW YORK, NY 10011 | $15K |
| NEWTOWER TRUST COMPANY EIN 30-0872552 NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | — | $14K |
| BEHAVIORAL HEALTH CONSULTANTS, LLC EIN 06-1563820 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $13K |
| DAVIS VISION EIN 11-3051991 NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $12K |
| SEGAL SELECT INSURANCE SERVICES INC EIN 46-0619194 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $10K |
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 | 4,960 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 858 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,818 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 5,818 | $319K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 3,282 | $1.5M |
| Other(2 contracts, 2 carriers) | SIERRA HEALTH AND LIFE INSURANCE CO | 5,818 | $985K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,818 | — |
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."
No prospect flags tripped on this filing.