| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC | 3000 MIDLANTIC DRIVE, SUITE 101 MT. LAUREL, NJ 08054 | UNITED HEALTHCARE INSURANCE COMPANY | $27K | — | $27K | 3.04% |
| MEEKER SHARKEY & HURLEY3 Filed as: MEEKER SHARKEY AND HURLEY | 316 MAIN STREET BEDMINSTER, NJ 07921 | FEDERAL INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON BLUE CROSS BLUE SHIELD EIN 22-1412244 NONE | Claims processing Service code 12 | — | $101K |
| KIM E. DEVIZIO EIN 22-1516999 EMPLOYEE | Employee (plan) Service code 30 | 136 MOUNT BETHEL ROAD WARREN, NJ 07060 | $97K |
| JUANITA T. BREWER EIN 22-1516999 EMPLOYEE | Employee (plan) Service code 30 | 136 MOUNT BETHEL ROAD WARREN, NJ 07060 | $78K |
| MARTA K TIRTADJAJA EIN 22-1516999 EMPLOYEE | Employee (plan) Service code 30 | 136 MOUNT BETHEL ROAD WARREN, NJ 07060 | $60K |
| LINDABURY MCCORMICK ESTABROOK EIN 22-1943351 NONE | Legal Service code 29 | 53 CARDINAL DRIVE WESTFIELD, NJ 10122 | $57K |
| LORRIE RAMSEY EIN 22-1516999 EMPLOYEE | Employee (plan) Service code 30 | 136 MOUNT BETHEL ROAD WARREN, NJ 07060 | $57K |
| BOLTON PARTNERS NONE | Consulting (general) Service code 16 | 2277 STATE HWY 33, SUITE 409 TRENTON, NJ 08690 | $52K |
| MSPC CPAS & ADVISORS, P.C. EIN 22-2951202 NONE | Accounting (including auditing) Service code 10 | 340 NORTH AVE CRANFORD, NJ 07016 | $37K |
| KENNEDY, JENNIK, MURRAY EIN 25-1919594 NONE | Legal Service code 29 | 113 UNIVERSITY PLACE NEW YORK, NY 10003 | $29K |
| ENVISION PHARMACEUTICAL SERVICES NONE | Claims processing Service code 12 | 2181 EAST AURORA ROAD SUITE 201 TWINSBURG, OH 44087 | $21K |
| PRUDENTIAL RETIREMENT INS & ANN CO. EIN 06-1050034 NONE | Investment management fees paid directly by plan Service code 51 | 280 TRUMBULL STREET HARTFORD, CT 06103 | $19K |
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 | 447 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 396 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 843 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | FEDERAL INSURANCE COMPANY | 447 | $24K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 472 | $887K |
| Other(2 contracts, 2 carriers) | UNITED AMERICAN INSURANCE COMPANY | 472 | $886K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 553 | — |
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."
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.