| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC Filed as: LABOR FIRST, LLC | 300 CHESTER AVE STE 300 MOORESTOWN, NJ 08057 | EMPIRE HEALTHCHOICE ASSURANCE INC | $76K | — | $76K | 2.70% |
| LABOR FIRST LLC Filed as: LABOR FIRST, LLC | 300 CHESTER AVE STE 300 MOORESTOWN, NJ 08057 | EMPIRE HEALTHCHOICE ASSURANCE INC | $6K | — | $6K | 4.00% |
| LABOR FIRST LLC Filed as: LABOR FIRST, LLC | 3000 MIDLANTIC DRIVE SUITE 101 MOUNT LAUREL, NJ 08054 | ANTHEM LIFE & DISABILITY INSURANCE | $4K | — | $4K | 3.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CHRISTOPHER BAXTER EIN 14-1418020 EMPLOYEE | Employee (plan) Service code 30 | 37 LUZERNE ROAD QUEENSBURY, NY 12801 | $81K |
| MERRILL LYNCH EIN 13-5674085 NONE | Securities brokerage; Investment management; Sub-transfer agency fees Service code 28 | 250 VESEY STREET NEW YORK, NY 10281 | $63K |
| KETHEM NOVICK EIN 14-1418020 EMPLOYEE | Employee (plan) Service code 30 | 37 LUZERNE ROAD QUEENSBURY, NY 12804 | $45K |
| ATALANTA SOSNOFF EIN 20-0461050 NONE | Investment management Service code 28 | 101 PARK AVE NEW YORK, NY 10178 | $20K |
| POZEFSKY, BRAMLEY & MURPHY EIN 14-1601487 NONE | Legal Service code 29 | 90 STATE STREET ALBANY, NY 12207 | $17K |
| JENNISON ASSOCIATES EIN 52-2069785 NONE | Investment management Service code 28 | 466 LEXINTON AVENUE NEW YORK, NY 10017 | $16K |
| D'ARCANGELO & CO., LLP EIN 13-2550103 NONE | Accounting (including auditing) Service code 10 | 120 LOMOND COURT UTICA, NY 13502 | $16K |
| JOSEPH W. MCCARTHY & ASSOCS. SPECIA EIN 16-1120588 NONE | Accounting (including auditing) Service code 10 | 7644 RT. 31 WEST BALDWINSVILLE, NY 13027 | $14K |
| BOLTON PARTNERS NORTHEAST, INC. EIN 27-3666661 NONE | Actuarial Service code 11 | 2277 STATE HIGHWAY 33 SUITE 409 TRENTON, NJ 08690 | $14K |
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 | 323 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 49 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 41 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE INC | 274 | $2.8M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE INC | 175 | $146K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE INC | 274 | $2.8M |
| Life insurance | ANTHEM LIFE & DISABILITY INSURANCE | 0 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.