| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC3 | 3000 MIDLANTIC DRIVE SUITE 101 MT. LAUREL, NJ 08054 | HARTFORD LIFE AND ACCIDENT | $0 | — | $0 | 0.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R. NELLIGAN & ASSOC. LLC | 1800 ROUTE 34 BUILDING 4 SUITE 404A WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | $16K | $12K | $28K | 22.26% |
| LABOR FIRST LLC3 Filed as: LABOR FIRST, LLC | 3000 MIDLANTIC DRIVE SUITE 101 MOUNT LAUREL, NJ 08054 | CIGNA | $244 | — | $244 | 1.00% |
| LABOR FIRST LLC3 | 3000 MIDLANTIC DRIVE SUITE 101 MOUNT LAUREL, NJ 08054 | CIGNA | $539 | — | $539 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| IRON WORKERS LOCAL 401 EIN 23-0724500 LOCAL UNION | Plan Administrator Service code 14 | — | $28K |
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 | 743 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 743 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED AMERICAN INSURANCE COMPANY | 342 | $404K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 658 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 658 | — |
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.