| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC Filed as: LABOR-FIRST LLC | SUITE 100 1000 MIDATLANTIC DRIVE MOUNT LAUREL, NJ 080541511 | HUMANA INSURANCE COMPANY | $36K | — | $36K | 2.38% |
| LAKESHORE BENEFIT GROUP INSURANCE3 Filed as: LAKESHORE BENEFIT GROUP BROKERAGE, | 529 MAIN STREET SUITE 2B NEW HARTFORD, CT 06057 | GREAT MIDWEST INSURANCE COMPANY (GMIC) | $30K | — | $30K | 5.00% |
| LAKESHORE BENEFIT GROUP INSURANCE3 Filed as: LAKESHORE BENEFIT GROUP BROKERAGE, | 301 ALBANY TURNPIKE CANTON, CT 06019 | SYMETRA LIFE INSURANCE COMPANY | $919 | — | $919 | 5.00% |
| LABOR FIRST LLC Filed as: LABOR-FIRST LLC | SUITE 100 1000 MIDATLANTIC DRIVE MOUNT LAUREL, NJ 080541511 | HUMANA INSURANCE COMPANY | $150 | — | $150 | 3.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES, INC. EIN 22-0999690 CONTRACT ADMINISTRATOR | Direct payment from the plan; Contract Administrator Service code 13 | — | $578K |
| IE SHAFFER & CO. EIN 22-1750854 NONE | Contract Administrator Service code 13 | — | $535K |
| COSTCO HEALTH SOLUTIONS NONE | Claims processing; Contract Administrator Service code 12 | 999 LAKE DRIVE ISSAQUAH, WA 98228 | $92K |
| PRUDENTIAL RETIREMENT INSURANCE AND EIN 06-1050034 NONE | Other investment fees and expenses Service code 72 | — | $85K |
| DAVID A. GERSON, CPA & ASSOC., PC EIN 22-3163246 NONE | Accounting (including auditing) Service code 10 | — | $50K |
| LINDABURY,MCCORMICK,ESTABROOK AND C EIN 22-1943351 NONE | Legal Service code 29 | — | $26K |
| PELLETIERI, RABSTEIN, & ALTMAN EIN 21-0533765 NONE | Legal Service code 29 | — | $25K |
| MILLIMAN INC. EIN 91-0675641 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $16K |
| THE MCKEOGH COMPANY EIN 22-3082451 NONE | Actuarial Service code 11 | — | $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 | 813 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 595 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,408 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HUMANA INSURANCE COMPANY | 693 | $1.5M |
| Dental | DENTAL SERVICES ORGANIZATION, LLC | 404 | $318K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 813 | $18K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | GREAT MIDWEST INSURANCE COMPANY (GMIC) | 621 | $982K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 813 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 813 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.