| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC Filed as: LABOR-FIRST LLC | 1000 MIDLANTIC DRIVE, SUITE 100 MOUNT LAUREL, NJ 08054 | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC | — | — | $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 | $19K | — | $19K | 17.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCELLUS BLUECROSS BLUESHIELD EIN 15-0329043 NONE | Claims processing Service code 12 | 165 COURT STREET ROCHESTER, NY 14647 | $196K |
| LABOR FIRST, LLC EIN 06-1750191 NONE | Other commissions Service code 55 | 1000 MIDLANTIC DRIVE, SUITE 100 MOUNT LAUREL, NJ 08054 | $118K |
| UMR, INC. EIN 39-1995276 NONE | Claims processing Service code 12 | — | $67K |
| BLITMAN AND KING EIN 16-1047304 NONE | Legal Service code 29 | — | $47K |
| KEENAN & ASSOCIATES EIN 95-2798626 NONE | Insurance agents and brokers Service code 22 | — | $32K |
| O'SULLIVAN ASSOCIATES EIN 20-8199367 NONE | Actuarial Service code 11 | — | $28K |
| SEGALL BRYANT HAMILL EIN 35-2679129 NONE | Investment management fees paid directly by plan Service code 51 | 540 WEST MADISON STREET SUITE 1900 CHICAGO, IL 60661 | $20K |
| D'ARCANGELO & CO. LLP EIN 13-2550103 NONE | Accounting (including auditing) Service code 10 | — | $16K |
| JOSEPH MCCARTHY EIN 16-1120588 NONE | Accounting (including auditing) Service code 10 | — | $13K |
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 | 336 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 207 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 543 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC | 243 | $464K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 414 | $112K |
| 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."
No prospect flags tripped on this filing.