| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC5 Filed as: LABOR-FIRST LLC | 3000 MIDLANTIC DRIVE SUITE 101 MOUNT LAUREL, NJ 08054 | HUMANA INSURANCE COMPANY OF NEW YORK | — | $12K | $12K | 7.60% |
| LABOR FIRST LLC5 Filed as: LABOR-FIRST LLC | 3000 MIDLANTIC DRIVE SUITE 101 MOUNT LAUREL, NJ 08054 | HUMANA INSURANCE COMPANY | — | $10K | $10K | 7.11% |
| LANCE BARTON3 | 1311 S HOWARD AVE TAMPA, FL 33606 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 6.40% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $74 | $74 | 0.15% |
| LABOR FIRST LLC5 Filed as: LABOR-FIRST LLC | 3000 MIDLANTIC DRIVE SUITE 101 MOUNT LAUREL, NJ 08054 | HUMANA INSURANCE COMPANY OF NEW YORK | — | $3K | $3K | 7.17% |
| LABOR FIRST LLC5 Filed as: LABOR-FIRST LLC | 3000 MIDLANTIC DRIVE SUITE 101 MOUNT LAUREL, NJ 08054 | HUMANA INSURANCE COMPANY | — | $3K | $3K | 7.60% |
| LABOR FIRST LLC5 Filed as: LABOR-FIRST LLC | 3000 MIDLANTIC DRIVE SUITE 101 MOUNT LAUREL, NJ 08054 | HUMANA INSURANCE COMPANY OF NEW YORK | — | $50 | $50 | 7.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE 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 | 3350 PEACHTREE ROAD POB 30302-445 ATLANTA, GA 303261039 | $307K |
| VIRGINIA & AMBINDER, LLP EIN 13-4166736 ATTORNEY | Legal Service code 29 | — | $136K |
| ELEFTHERIOS TERRY VOUVOUDAKIS EIN 13-6118206 NONE | Employee (plan) Service code 30 | — | $115K |
| ROBIN YOUNG-TYRELL EIN 13-6118206 NONE | Employee (plan) Service code 30 | — | $109K |
| MICHAEL SAROSY EIN 13-6118206 NONE | Employee (plan) Service code 30 | — | $104K |
| DANIEL H. COOK ASSOCIATES, INC. EIN 11-2424843 NONE | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator Service code 12 | 253 W 35TH STREET 12TH FL NEW YORK, NY 10001 | $86K |
| BROADREACH MEDICAL RESOURCES EIN 02-0640082 NONE | Claims processing; Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $59K |
| PAYER MATRIX, LLC EIN 81-3946362 NONE | Consulting fees Service code 70 | 1400 N PROVIDENCE ROAD BLDG 2 SUITE 5000 MEDIA, PA 19063 | $43K |
| GOULD KOBRICK & SCHLAPP PC EIN 13-3082707 NONE | Accounting (including auditing) Service code 10 | 192 LEXINGTON AVE 7TH FLOOR NEW YORK, NY 10016 | $33K |
| JPMORGAN CHASE BANK, N.A. EIN 13-4994650 | Account maintenance fees; Custodial (other than securities) Service code 18 | — | $29K |
| LABOR FIRST LLC EIN 06-1750191 NONE | Insurance agents and brokers Service code 22 | 300 CHESTER AVE STE 300 MOORESTOWN, NJ 08057 | $23K |
| 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 | $22K |
| THE SEGAL COMPANY EIN 13-2518466 NONE | Actuarial Service code 11 | — | $18K |
| WORKFORCE ASSIST. PROG & CONSULTING EIN 20-8231145 NONE | Consulting (general) Service code 16 | 211 E MAIN ST 161 NEW ROCHELLE, NY 10801 | $17K |
| WELBY, BRADY & GREENBLATT, LLP EIN 13-3864481 ATTORNEY | Legal Service code 29 | 11 MARTINE AVE 15TH FLOOR WHITE PLAINS, NY 10606 | $11K |
| BOYD WATTERSON ASSET MANAGEMENT LLC EIN 34-1922005 NONE | Custodial (securities) Service code 19 | 1801 E 9TH ST 1400 CLEVELAND, OH 44114 | $8K |
| QUAN-VEST CONSULTANTS INC. EIN 11-2559669 NONE | Investment advisory (plan) Service code 27 | 390 PLANDOME ROAD MANHASSET, NY 10122 | $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 | 399 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 162 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 561 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | HUMANA INSURANCE COMPANY OF NEW YORK | 63 | $381K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 374 | $48K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 374 | $48K |
| Prescription drug(5 contracts, 2 carriers) | HUMANA INSURANCE COMPANY OF NEW YORK | 63 | $381K |
| Stop-loss / reinsurancereinsurance | LIBERTY INSURANCE UNDERWRITERS, INC. | 397 | $432K |
| Other(5 contracts, 2 carriers) | HUMANA INSURANCE COMPANY OF NEW YORK | 63 | $381K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 397 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.