| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC3 | 3000 MIDLANTIC DRIVE, SUITE 101 MOUNT LAUREL, NJ 08054 | UNITED AMERICAN INSURANCE COMPANY | — | $4K | $4K | 2.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $136K |
| VINCENZA QUINLAN EIN 13-1895923 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $45K |
| MSPC EIN 22-2951202 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $34K |
| HOLM & O'HARA EIN 13-3591118 NONE | Legal; Direct payment from the plan Service code 29 | — | $33K |
| ANDREA FAHERTY EIN 13-1895923 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $32K |
| O'SULLIVAN ASSOCIATES EIN 20-8199367 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $27K |
| INNOVATIVE SOFTWARE SOLUTIONS, INC. EIN 23-2182079 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $26K |
| EXPRESS SCRIPTS EIN 22-3461740 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $12K |
| HGK ASSET MANAGEMENT EIN 52-1296988 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $12K |
| INVESTMENT PERFORMANCE SERVICES LLC EIN 58-2432390 NONE | Investment management fees paid directly by plan; Investment advisory (plan); Consulting (general) Service code 16 | — | $9K |
| AMALGAMATED BANK OF CHICAGO EIN 36-0721895 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $9K |
| M&T BANK EIN 16-0538020 NONE | Custodial (securities); Direct payment from the plan Service code 19 | — | $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 | 284 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 62 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED AMERICAN INSURANCE COMPANY | 138 | $175K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 279 | $74K |
| Vision | AETNA LIFE INSURANCE COMPANY | 79 | $7K |
| Life insurance(2 contracts, 2 carriers) | THE UNION LABOR LIFE INSURANCE COMPANY | 363 | $25K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 284 | $485K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 363 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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.