| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC Filed as: LABOR-FIRST LLC | 3000 MIDLANTIC DRIVE, SUITE 101 MOUNT LAUREL, NY 08054 | HUMANA INSURANCE COMPANY | $37K | — | $37K | 6.91% |
| ENV INSURANCE AGENCY LLC Filed as: ENV INSURANCE AGENCY, LLC. | 7789 OSWEGO ROAD LIVERPOOL, NY 13090 | THE UNION LABOR LIFE INSURANCE COMPANY | $15K | — | $15K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 NONE | Claims processing Service code 12 | — | $243K |
| BLITMAN AND KING EIN 16-1047304 NONE | Legal Service code 29 | — | $70K |
| KEENAN & ASSOCIATES EIN 95-2798626 NONE | Insurance agents and brokers Service code 22 | — | $29K |
| 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 | — | $15K |
| JOSEPH MCCARTHY EIN 16-1120588 NONE | Accounting (including auditing) Service code 10 | — | $10K |
| ENV INSURANCE AGENCY LLC EIN 16-1519815 NONE | Other commissions Service code 55 | 7789 OSWEGO RD LIVERPOOL, NY 13090 | $9K |
| BANK OF AMERICA EIN 94-1687665 NONE | Custodial (securities) Service code 19 | 100 NORTH TRYON STREET CHARLOTEE, NC 28255 | $9K |
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 | 329 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 211 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 540 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 233 | $532K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 406 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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.