| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT BERGMAN3 | 123 KILLBURN DRIVE CHERRY HILL, NJ 08003 | GERBER LIFE INSURANCE COMPANY | $27K | — | $27K | 6.00% |
| LABOR FIRST LLC3 | 3000 MIDLANTIC DRIVE, SUITE 101 MOUNT LAUREL, NJ 08054 | UNITED AMERICAN INSURANCE COMPANY | — | $21K | $21K | 19.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $129K |
| INNOVATIVE SOFTWARE SOLUTIONS, INC. EIN 23-2182079 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $58K |
| VINCENZA QUINLAN EIN 13-1895923 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $45K |
| MSPC EIN 22-2951202 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $31K |
| O'SULLIVAN ASSOCIATES EIN 20-8199367 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $29K |
| SHERRY MARAGLIANO EIN 13-1895923 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $29K |
| HOLM & O'HARA EIN 13-3591118 NONE | Legal; Direct payment from the plan Service code 29 | — | $25K |
| AMALGAMATED BANK OF CHICAGO EIN 36-0721895 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $22K |
| SEGALL BRYANT & HAMMILL EIN 41-1788385 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $14K |
| M&T BANK EIN 16-0538020 NONE | Custodial (securities); Direct payment from the plan Service code 19 | — | $12K |
| EXPRESS SCRIPTS EIN 22-3461740 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $10K |
| INVESTMENT PERFORMANCE SERVICES LLC EIN 58-2432390 NONE | Investment management fees paid directly by plan; Consulting (general); Investment advisory (plan) Service code 16 | — | $9K |
| EVICORE HEALTHCARE MSI, LLC EIN 62-1615395 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $5K |
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 | 229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 64 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED AMERICAN INSURANCE COMPANY | 74 | $111K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 225 | $124K |
| Vision | AETNA LIFE INSURANCE COMPANY | 75 | $3K |
| Life insurance(3 contracts, 3 carriers) | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 305 | $116K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 229 | $445K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 305 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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.