| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC3 | 3000 MIDLANTIC DRIVE SUITE 101 MT. LAUREL, NJ 08054 | HARTFORD LIFE AND ACCIDENT | $0 | $0 | $0 | 0.00% |
| LABOR FIRST LLC3 | 3000 MIDLANTIC DRIVE SUITE 101 MT. LAUREL, NJ 08054 | HARTFORD LIFE AND ACCIDENT | $0 | $0 | $0 | 0.00% |
| MEEKER SHARKEY & HURLEY3 Filed as: MEEKER SHARKEY AND HURLEY | 316 MAIN STREET BEDMINSTER, NJ 07921 | FEDERAL INSURANCE COMPANY | $3K | — | $3K | 16.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON BLUE CROSS BLUE SHIELD EIN 22-1412244 NONE | Claims processing Service code 12 | — | $249K |
| KIM E. DEVIZIO EIN 22-1516999 EMPLOYEE | Employee (plan) Service code 30 | 136 MOUNT BETHEL ROAD WARREN, NJ 07060 | $101K |
| LINDABURY MCCORMICK ESTABROOK EIN 22-1943351 NONE | Legal Service code 29 | 53 CARDINAL DRIVE WESTFIELD, NJ 10122 | $99K |
| JUANITA T. BREWER EIN 22-1516999 EMPLOYEE | Employee (plan) Service code 30 | 136 MOUNT BETHEL ROAD WARREN, NJ 07060 | $81K |
| MARTA K TIRTADJAJA EIN 22-1516999 EMPLOYEE | Employee (plan) Service code 30 | 136 MOUNT BETHEL ROAD WARREN, NJ 07060 | $69K |
| LORRIE RAMSEY EIN 22-1516999 EMPLOYEE | Employee (plan) Service code 30 | 136 MOUNT BETHEL ROAD WARREN, NJ 07060 | $59K |
| MSPC CPAS & ADVISORS, P.C. EIN 22-2951202 NONE | Accounting (including auditing) Service code 10 | 340 NORTH AVE CRANFORD, NJ 07016 | $41K |
| KENNEDY, JENNIK, MURRAY EIN 25-1919594 NONE | Legal Service code 29 | 113 UNIVERSITY PLACE NEW YORK, NY 10003 | $33K |
| BOLTON PARTNERS NONE | Consulting (general) Service code 16 | 2277 STATE HWY 33, SUITE 409 TRENTON, NJ 08690 | $26K |
| ENVISION PHARMACEUTICAL SERVICES NONE | Claims processing Service code 12 | 2181 EAST AURORA ROAD SUITE 201 TWINSBURG, OH 44087 | $20K |
| 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 | $12K |
| ANDREW R WELCH EIN 22-1516999 TRUSTEE | Trustee (individual) Service code 20 | — | $5K |
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 | 468 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 388 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 856 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | FEDERAL INSURANCE COMPANY | 468 | $21K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 548 | $202K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 468 | $858K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 548 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.