| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC0 | 300 CHESTER AVE STE 300 MOORESTOWN, NJ 08057 | UNITED AMERICAN INSURANCE | $67K | — | $67K | 20.36% |
| ANNA REIS3 Filed as: ANNA M REIS | 9 LONGLEAF DR HAMILTON, NJ 08690 | AFLAC | $106 | — | $106 | 3.43% |
| ANNA REIS3 | 603 HAZELWOOD LN MARLTON, NJ 08053 | AFLAC | $106 | — | $106 | 3.43% |
| ROBERT BRENTARI3 | 5 TIMKAK LANE PENNINGTON, NJ 08534 | AFLAC | $49 | — | $49 | 1.59% |
| COLLEEN ODONOVAN3 | 47 BANBURY ROAD LUMBERTON, NJ 08048 | AFLAC | $46 | — | $46 | 1.49% |
| ANNA REIS3 | 9 LONGLEAF DR HAMILTON, NJ 08690 | AFLAC. | $71 | — | $71 | 3.63% |
| ROBERT C. BRENTARI3 Filed as: ROBERT C BRENTARI | 2 PRINCESS RD LAWRENCEVILLE, NJ 08648 | AFLAC. | $35 | — | $35 | 1.79% |
| LORENZO V CUTAIA3 Filed as: LORENZO CUTAIA | 123 AZALEA LANE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC. | $5 | — | $5 | 0.26% |
| NANCY M ANDERSON3 Filed as: NANCY M. ANDERSON | 11 CEDAR COURT SOMERS POINT, NJ 08244 | AFLAC. | $1 | — | $1 | 0.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE BLUE CROSS BLUE SHIELD EIN 23-7391136 NONE | Float revenue; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | 3350 PEACHTREE ROAD POB 30302-445 ATLANTA, GA 303261039 | $322K |
| ROBIN YOUNG-TYRELL EIN 13-6118206 NONE | Employee (plan) Service code 30 | — | $107K |
| DANIEL H. COOK ASSOCIATES, INC. EIN 11-2424843 NONE | Claims processing; Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | 253 W 35TH STREET 12TH FL NEW YORK, NY 10001 | $92K |
| LABOR FIRST LLC EIN 06-1750191 NONE | Insurance agents and brokers Service code 22 | 300 CHESTER AVE STE 300 MOORESTOWN, NJ 08057 | $67K |
| BROADREACH MEDICAL RESOURCES EIN 02-0640082 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing Service code 12 | — | $46K |
| GOULD KOBRICK & SCHLAPP PC EIN 13-3082707 NONE | Accounting (including auditing) Service code 10 | 3 PARK AVE 14TH FL NEW YORK, NY 10016 | $39K |
| KOBGO ASSOCIATES, INC. EIN 13-2751089 NONE | Accounting (including auditing) Service code 10 | 3 PARK AVE 14TH FL NEW YORK, NY 10016 | $34K |
| COLLERAN OHARA & MILLS L.L.P. EIN 11-2940050 UNION ATTORNEY | Other services; Legal; Other fees Service code 29 | 1225 FRANKLIN AVE SUITE 450 GARDEN CITY, NY 11530 | $20K |
| WELBY, BRADY & GREENBLATT, LLP EIN 13-3864481 ATTORNEY | Legal Service code 29 | 11 MARTINE AVE 15TH FLOOR WHITE PLAINS, NY 10606 | $20K |
| FEDERATION PENSION BUREAU, INC. EIN 13-1787163 NONE | Actuarial Service code 11 | 225 WEST 34TH STREET NEW YORK, NY 10122 | $17K |
| MARSHALL & MOSS PAYROLL COMPLIANCE EIN 04-3652965 NONE | Accounting (including auditing) Service code 10 | 1400 OLD COUNTRY ROAD WESTBURY, NY 11590 | $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 | 415 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 134 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 557 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITED AMERICAN INSURANCE | 146 | $336K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 414 | $87K |
| Short-term disability(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 414 | $92K |
| Prescription drug | UNITED AMERICAN INSURANCE | 146 | $331K |
| Other(2 contracts, 2 carriers) | UNITED AMERICAN INSURANCE | 414 | $544K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 414 | — |
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.