| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC3 | 300 CHESTER AVE. MOORESTOWN, NJ 08057 | UNITED AMERICAN INSURANCE COMPANY | — | — | $0 | 0.00% |
| LABOR FIRST LLC3 | 3000 MIDLANTIC DRIVE, SUITE 101 MOUNT LAUREL, NJ 08054 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 13.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| IRON WORKERS LOCAL 401 EIN 23-0724500 LOCAL UNION | Plan Administrator Service code 14 | — | $26K |
| CLEARY, JOSEM & TRIGIANI, LLP EIN 23-2657967 NONE | Legal Service code 29 | — | $10K |
| FISCHER DORWART, P.C. EIN 23-2247478 NONE | Accounting (including auditing) Service code 10 | — | $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 | 628 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 628 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED AMERICAN INSURANCE COMPANY | 318 | $379K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 641 | $74K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 641 | $74K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 325 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 641 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.