| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC3 | 2406 NASSAU ROAD CINNAMINSON, NJ 08077 | AETNA LIFE INSURANCE COMPANY | $67K | — | $67K | 9.60% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN BLASCH | 71 BEECHWOOD LANE BERKELEY HEIGHTS, NJ 07922 | HARTFORD LIFE AND ACCIDENT | $50K | $29K | $79K | 15.93% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD, 2ND FLR HAUPPAUGE, NY 11788 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 0.33% |
| LABOR FIRST LLC3 | 2406 NASSAU ROAD CINNAMINSON, NJ 08077 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.47% |
| LABOR FIRST LLC3 | 2406 NASSAU ROAD CINNAMINSON, NJ 08077 | AETNA LIFE INSURANCE COMPANY | $1K | — | $1K | 16.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES EIN 22-0999690 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $1.4M |
| DISTRTICT 1199J PENSION PLAN EIN 22-3095464 AFFLIATED BENEFIT FUND | Direct payment from the plan; Other services Service code 49 | — | $1.2M |
| EXPRESS SCRIPTS INC EIN 22-3461740 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $268K |
| MILLIMAN INC EIN 91-0675641 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $138K |
| OXFELD COHEN PC EIN 01-0725849 NONE | Legal; Direct payment from the plan Service code 29 | — | $113K |
| SELE DENT EIN 11-3310187 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $95K |
| FOX ROTHSCHILD LLP EIN 23-1404723 NONE | Legal; Direct payment from the plan Service code 29 | — | $76K |
| WELLS FARGO BANK EIN 41-0449260 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $47K |
| SYNTONIC SYSTEMS INC EIN 13-2925049 NONE | Direct payment from the plan; Other services Service code 49 | — | $41K |
| ROLANDO Y HONG, MD NONE | Direct payment from the plan; Other services Service code 49 | 13 FAIRMOUNT AVE UPPER MOUNTCLAIR, NJ 07043 | $38K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $31K |
| PAYCHEX INC EIN 16-1124166 NONE | Other services; Direct payment from the plan Service code 49 | — | $8K |
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 | 2,839 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,772 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,611 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 4,638 | $496K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE | 3,378 | $216K |
| Other | HARTFORD LIFE AND ACCIDENT | 4,638 | $496K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,638 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.