| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC | 3000 MIDATLANTIC DRIVE STE 101 MT LAUREL, NJ 08054 | UNITED AMERICAN INSURANCE COMPANY | — | — | $0 | 0.00% |
| ENV INSURANCE AGENCY LLC Filed as: ENV INSURANCE AGENCY, LLC. | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | THE UNION LABOR LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| POMCO, INC. EIN 15-0381548 NONE | Claims processing Service code 12 | — | $138K |
| BLITMAN AND KING EIN 16-1047304 NONE | Legal Service code 29 | — | $57K |
| TARA DENUCCI EIN 16-6053348 EMPLOYEE | Plan Administrator Service code 14 | — | $47K |
| CORPORATE CARE MANAGEMENT EIN 16-1181119 NONE | Accounting (including auditing) Service code 10 | — | $36K |
| KEENAN & ASSOCIATES EIN 95-2798626 NONE | Insurance agents and brokers Service code 22 | — | $28K |
| O'SULLIVAN ASSOCIATES EIN 20-8199367 NONE | Actuarial Service code 11 | — | $27K |
| D'ARCANGELO & CO. LLP EIN 13-2550103 NONE | Accounting (including auditing) Service code 10 | — | $14K |
| JOSEPH MCCARTHY EIN 16-1120588 NONE | Accounting (including auditing) Service code 10 | — | $9K |
| POMCO PLUS, LLC EIN 45-0482796 NONE | Insurance services Service code 23 | — | $0 |
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 | 317 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 241 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 558 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 366 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 366 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.