| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: SEGAL GROUP | 333 WEST 34TH STREET NEW YORK, NY 10001 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $25K | — | $25K | 6.00% |
| LABOR FIRST LLC3 Filed as: LABOR-FIRST | 3000 MIDLANTIC DRIVE SUITE 101 MOUNT LAUREL, NJ 08054 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | — | $39K | 13.51% |
| LABOR FIRST LLC3 Filed as: LABOR-FIRST | 3000 MIDLANTIC DRIVE SUITE 101 MOUNT LAUREL, NJ 08054 | UNICARE LIFE & HEALTH INSURANCE COMPANY | $24K | — | $24K | 9.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COHEN, WEISS & SIMON EIN 13-1592323 UNION ATTY | Legal Service code 29 | — | $1.7M |
| TRIVELLA & FORTE, LLP EIN 13-4070172 NONE | Legal Service code 29 | — | $1.3M |
| BLUE CROSS BLUE SHIELD EIN 23-7391136 NONE | Contract Administrator; Claims processing; Float revenue; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $1.3M |
| WAGNER & ZWERMAN LLP EIN 11-2836461 NONE | Accounting (including auditing) Service code 10 | — | $298K |
| BRUCE LEVINE EIN 11-6244552 NONE | Employee (plan) Service code 30 | — | $280K |
| COHEN, WEISS & SIMON 13-1592323 | Legal Service code 29 | — | $238K |
| LABOR FIRST EIN 06-1750191 NONE | Contract Administrator Service code 13 | — | $227K |
| FALZARANO & CO. EIN 20-8428954 NONE | Accounting (including auditing) Service code 10 | — | $220K |
| MARIO BULDING EIN 11-6244552 NONE | Employee (plan) Service code 30 | — | $200K |
| STACEY BRAUN EIN 13-2889432 NONE | Investment management Service code 28 | — | $187K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Actuarial Service code 11 | — | $164K |
| INNOVATIVE SOFTWARE SOLUTIONS, INC. EIN 23-2182079 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $154K |
| TOCQUEVILLE ASSET MANAGEMENT LP EIN 13-3547557 NONE | Investment management Service code 28 | — | $148K |
| THERESA CODY EIN 11-6244552 NONE | Employee (plan) Service code 30 | — | $135K |
| THOMAS J. ZULTKO EIN 11-6244552 NONE | Employee (plan) Service code 30 | — | $129K |
| TIMOTHY J. LYE EIN 11-6244552 NONE | Employee (plan) Service code 30 | — | $116K |
| SELEDENT EIN 11-3310187 NONE | Contract Administrator; Claims processing Service code 12 | — | $113K |
| ROBERT MACHADO EIN 11-6244552 NONE | Employee (plan) Service code 30 | — | $104K |
| CVS HEALTH NONE | Float revenue Service code 62 | 9501 E SHEA BLVD SCOTTSDALE, AZ 85260 | $100K |
| LUIS NEIRA EIN 11-6244552 NONE | Employee (plan) Service code 30 | — | $90K |
| MACKAY SHIELDS EIN 13-5582869 NONE | Investment management Service code 28 | — | $89K |
| MARY FRANCES MARTINI EIN 11-6244552 NONE | Employee (plan) Service code 30 | — | $85K |
| ERIN A NOVAK EIN 11-6244552 NONE | Employee (plan) Service code 30 | — | $80K |
| HO Y HO EIN 11-6244552 NONE | Employee (plan) Service code 30 | — | $79K |
| AMANDA LAWRENCE EIN 11-6244552 NONE | Employee (plan) Service code 30 | — | $77K |
| MONICA DE MARCO EIN 11-6244552 NONE | Employee (plan) Service code 30 | — | $77K |
| JOSEPH PUCCIO EIN 11-6244552 NONE | Employee (plan) Service code 30 | — | $74K |
| GAMCO EIN 13-4044521 NONE | Investment management Service code 28 | — | $73K |
| STERN WONG EIN 11-6244552 NONE | Employee (plan) Service code 30 | — | $71K |
| MARJORIE A MC GORTY EIN 11-6244552 NONE | Employee (plan) Service code 30 | — | $71K |
| DIEGO REMACHE EIN 11-6244552 NONE | Employee (plan) Service code 30 | — | $70K |
| GOULD, KOBRICK & SCHLAPP, P.C EIN 11-3082707 NONE | Accounting (including auditing) Service code 10 | — | $70K |
| ROSS POLLACK EIN 11-6244552 NONE | Employee (plan) Service code 30 | — | $67K |
| NICOLE SIVERT EIN 11-6244552 NONE | Employee (plan) Service code 30 | — | $67K |
| DEBORAH DEFOSSES EIN 11-6244552 NONE | Employee (plan) Service code 30 | — | $63K |
| THOMAS POWERS JR. EIN 11-6244552 NONE | Employee (plan) Service code 30 | — | $62K |
| ELLEN F MCQUADE EIN 11-6244552 NONE | Employee (plan) Service code 30 | — | $62K |
| DAVIWATTIE SINGH EIN 11-6244552 NONE | Employee (plan) Service code 30 | — | $62K |
| LESLIE A CERUTI EIN 11-6244552 NONE | Employee (plan) Service code 30 | — | $57K |
| ANDREA FITTIPALDI EIN 11-6244552 NONE | Employee (plan) Service code 30 | — | $57K |
| PATRICK SHURE EIN 11-6244552 NONE | Employee (plan) Service code 30 | — | $56K |
| MARTHA BOLANOS EIN 11-6244552 NONE | Employee (plan) Service code 30 | — | $55K |
| ADRIANNE GIBSON EIN 11-6244552 NONE | Employee (plan) Service code 30 | — | $55K |
| DORIANA BERRY EIN 11-6244552 NONE | Employee (plan) Service code 30 | — | $55K |
| LINDA F DIVIRGILIO EIN 11-6244552 NONE | Employee (plan) Service code 30 | — | $53K |
| DIANNE PERDICARO EIN 11-6244552 NONE | Employee (plan) Service code 30 | — | $51K |
| DOREEN SAUCEDO EIN 11-6244552 NONE | Employee (plan) Service code 30 | — | $51K |
| DAWN CARLUCCI EIN 11-6244552 NONE | Employee (plan) Service code 30 | — | $49K |
| THERESA HIGGINS EIN 11-6244552 NONE | Employee (plan) Service code 30 | — | $47K |
| LYNN MACALUSO EIN 11-6244552 NONE | Employee (plan) Service code 30 | — | $47K |
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 | 2,882 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 857 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,739 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,965 | $286K |
| Short-term disability | UNICARE LIFE & HEALTH INSURANCE COMPANY | 2,818 | $261K |
| Stop-loss / reinsurancereinsurance | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | 3,061 | $424K |
| Other(6 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT INSURANCE CO. | 2,965 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,061 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.