| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC Filed as: LABOR FIRST | 3000 MIDATLANTIC DRIVE MT LAUREL, NJ 08054 | THE HARDFORD | — | — | $0 | 0.00% |
| LABOER FIRST | 3000 MIDATLANTIC DRIVE MT. LAUREL, NJ 08054 | THE HARDFORD | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE BLUECROSS BLUESHIELD EIN 23-7391136 NONE | Claims processing; Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $4.7M |
| ATALANTA SOSNOFF CAPITAL, LLC EIN 20-0461050 NONE | Investment management Service code 28 | — | $445K |
| CAREMARK EIN 75-2888212 NONE | Contract Administrator Service code 13 | — | $315K |
| BHMS EIN 75-2403190 NONE | Investment management Service code 28 | — | $302K |
| MELVIN FEDER EIN 13-3593661 ATTORNEY | Legal Service code 29 | — | $302K |
| UNION NETWORKING EIN 22-2940797 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $276K |
| ALLIANCE BERNSTEIN EIN 13-4064930 NONE | Investment management Service code 28 | — | $272K |
| CASTIGLIA LLP EIN 46-2725636 AUDITOR | Accounting (including auditing) Service code 10 | — | $246K |
| HEALTHPLEX EIN 11-2714365 NONE | Contract Administrator Service code 13 | — | $233K |
| PIMCO NONE | Investment management Service code 28 | PO BOX 512129 LOS ANGELES, CA 90051 | $149K |
| SEGAL CO. EIN 13-1835864 NONE | Actuarial Service code 11 | — | $112K |
| JP MORGAN EIN 13-6058970 NONE | Custodial (securities) Service code 19 | — | $109K |
| LYDIA DESHONG EIN 13-1615440 NONE | Employee (plan) Service code 30 | — | $78K |
| JESSICA PIZA EIN 13-1615440 NONE | Employee (plan) Service code 30 | — | $65K |
| M CHEN EIN 13-1615440 NONE | Employee (plan) Service code 30 | — | $64K |
| YVETTE RIVERA EIN 13-1615440 NONE | Employee (plan) Service code 30 | — | $59K |
| MERRILL LYNCH EIN 13-5674085 NONE | Investment advisory (plan) Service code 27 | — | $37K |
| ANJANETTE GUARDERAS EIN 13-1615440 NONE | Employee (plan) Service code 30 | — | $36K |
| PREMIER TECHNOLOGY SOLUTIONS NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 232 MADISON AVENUE NEW YORK, NY 10016 | $33K |
| LORRAINE HARDT EIN 13-1615440 NONE | Employee (plan) Service code 30 | — | $26K |
| PART D ADVISORS NONE | Consulting (general) Service code 16 | 17199 N. LAUREL PK DR.400 LIVONIA, MI 48152 | $25K |
| SYNTONICS NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 111 JOHN STREET, STE 1700 NEW YORK, NY 10038 | $15K |
| STEPHEN O'BEIRNE NONE | Consulting (general) Service code 16 | 176 WASHINGTON AVENUE CLIFTON, NJ 07011 | $8K |
| ON-TRACK SKILLS, INC NONE | Consulting (general) Service code 16 | 34 MERRITT AVENUE MASSAPEQUA, NY 11758 | $8K |
| WAGEWORKS NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | PO BOX 224547 DALLAS, TX 75222 | $7K |
| PAYROLL RELIEF NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 140 FELL CT. HAUPPAUGE, NY 11788 | $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 | 4,731 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,502 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMALGAMATED LIFE | 13,454 | $2.9M |
| Short-term disability | AMALGAMATED LIFE | 4,931 | $830K |
| Other(2 contracts, 2 carriers) | AMALGAMATED LIFE | 4,931 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,454 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.