| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC3 | 3000 MIDLANTIC DRIVE - STE 101 MT. LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $197K | — | $197K | 25.79% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN BLASCH | 71 BEECHWOOD LANE BERKELEY HEIGHTS, NJ 07922 | HARTFORD LIFE AND ACCIDENT | $49K | $24K | $73K | 15.00% |
| LABOR FIRST LLC3 | 3000 MIDLANTIC DRIVE - STE 101 MT. LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $5K | — | $5K | 10.52% |
| LABOR FIRST LLC3 | 3000 MIDLANTIC DRIVE - STE 101 MT. LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $950 | — | $950 | 13.73% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES EIN 22-0999690 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $1.5M |
| DISTRTICT 1199J PENSION PLAN EIN 22-3095464 AFFLIATED BENEFIT FUND | Other services; Direct payment from the plan Service code 49 | — | $310K |
| SELE DENT EIN 11-3310187 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $110K |
| MICHELE KAMAL EIN 22-3143027 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $110K |
| MILLIMAN INC EIN 91-0675641 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $105K |
| DONNA HUGHES EIN 22-3143027 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $94K |
| BARBARA SMALL EIN 22-3143027 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $89K |
| MARIBEL NEGRON EIN 22-3143027 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $77K |
| FOX ROTHSCHILD LLP EIN 23-1404723 NONE | Legal; Direct payment from the plan Service code 29 | — | $76K |
| OXFORD COHEN PC EIN 01-0725849 NONE | Legal; Direct payment from the plan Service code 29 | — | $76K |
| JERRY VITA EIN 22-3143027 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $75K |
| EMPIRX HEALTH, LLC NONE | Direct payment from the plan; Contract Administrator Service code 13 | 155 CHESTNUT RIDGE RD. - SUITE 103 MONTVALE, NJ 07645 | $65K |
| ANILDA SEDA EIN 22-3143027 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $63K |
| RUBY GRAHAM EIN 22-3143027 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $62K |
| ROSE ANN GONZALEZ EIN 22-3143027 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $55K |
| SHIRLEY SPRIGGS EIN 22-3143027 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $49K |
| ROLANDO Y HONG, MD EIN 22-3143027 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $49K |
| KIM CARDELL EIN 22-3143027 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $48K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $48K |
| CHRISTINA PACHECO EIN 22-3143027 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $43K |
| MICHAEL PISANI EIN 22-3143027 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $40K |
| SYNTONIC SYSTEMS INC EIN 13-2925049 NONE | Direct payment from the plan; Other services Service code 49 | — | $36K |
| JENNIFER EBEL EIN 22-3143027 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $35K |
| KRYSTINA NEGRON EIN 22-3143027 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $34K |
| NYDIA BERDECIA-GRAUER EIN 22-3143027 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $30K |
| EMILY ALVAREZ EIN 22-3143027 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $30K |
| WELLS FARGO BANK EIN 41-0449260 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $26K |
| EXPRESS SCRIPTS INC EIN 22-3461740 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $12K |
| PAYCHEX INC EIN 16-1124166 NONE | Direct payment from the plan; Other services 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 | 2,726 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,749 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,475 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 4,529 | $489K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE | 3,282 | $221K |
| Other | HARTFORD LIFE AND ACCIDENT | 4,529 | $489K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,529 | — |
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."
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.