| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC3 Filed as: LABOR-FIRST LLC | 1000 MIDATLANTIC DRIVE SUITE 100 MOUNT LAUREL, NJ 080541511 | HUMANA INSURANCE COMPANY | $40K | — | $40K | 2.23% |
| LABOR FIRST LLC3 Filed as: LABOR-FIRST LLC | 1000 MIDATLANTIC DRIVE SUITE 100 MOUNT LAUREL, NJ 080541511 | AETNA LIFE INSURANCE CO | $111K | — | $111K | 12.49% |
| LAKESHORE BENEFIT GROUP INSURANCE3 Filed as: LAKESHORE BENEFIT GROUP BROKERAGE | 301 ALBANY TURNPIKE CANTON, CT 06019 | HORIZON HEALTHCARE SERVICES, INC. | $34K | — | $34K | 4.17% |
| LAKESHORE BENEFIT GROUP INSURANCE3 Filed as: LAKESHORE BENEFIT GROUP BROKERAGE | 301 ALBANY TURNPIKE CANTON, CT 06019 | SYMETRA LIFE INSURANCE COMPANY | $964 | — | $964 | 5.00% |
| LABOR FIRST LLC3 Filed as: LABOR-FIRST LLC | 1000 MIDATLANTIC DRIVE SUITE 100 MOUNT LAUREL, NJ 080541511 | HUMANA INSURANCE COMPANY OF NEW YORK | $138 | — | $138 | 2.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES, INC EIN 22-0999690 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $774K |
| IE SHAFFER & CO EIN 22-1750854 NONE | Contract Administrator Service code 13 | — | $721K |
| EMPOWER ANNUITY INSURANCE COMPANY EIN 06-1050034 NONE | Other investment fees and expenses Service code 72 | — | $121K |
| GERSON & ASSOC., CPAS AND ADVISORS EIN 22-3163246 NONE | Accounting (including auditing) Service code 10 | — | $49K |
| EXPRESS SCRIPTS, INC NONE | Claims processing; Contract Administrator Service code 12 | ONE EXPRESS WAY ST LOUIS, MO 63121 | $47K |
| LINDABURY, MCCORMICK, ESTABROOK, CO EIN 22-1943351 NONE | Legal Service code 29 | — | $40K |
| OBRIEN, BELLAND & BUSHINSKY EIN 37-1467056 NONE | Legal Service code 29 | — | $17K |
| THE MCKEOGH COMPANY EIN 22-3082451 NONE | Actuarial Service code 11 | — | $11K |
| PELLETIERI, RABSTEIN, & ALTMAN EIN 21-0533765 NONE | Legal Service code 29 | — | $2K |
| MILLIMAN INC EIN 91-0675641 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $1K |
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 | 659 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 552 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 737 | $1.8M |
| Dental | DENTAL SERVICES ORGANIZATION, LLC | 411 | $338K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 737 | $907K |
| Stop-loss / reinsurancereinsurance | HORIZON HEALTHCARE SERVICES, INC. | 1,034 | $816K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 0 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,034 | — |
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.
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.