| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAKESHORE BENEFIT GROUP INSURANCE3 Filed as: LAKESHORE BENEFIT GRP INS BROKERAGE | 301 ALBANY TURNPIKE CANTON, CT 060190000 | AMALGAMATED LIFE INSURANCE COMPANY | $78K | — | $78K | 8.00% |
| LAKESHORE BENEFIT GROUP INSURANCE Filed as: LAKESHORE BENEFIT GRP INS BROKERAGE | 301 ALBANY TURNPIKE CANTON, CT 060190000 | AMALGAMATED LIFE INSURANCE COMPANY | $30K | — | $30K | 11.00% |
| LABOR FIRST LLC Filed as: LABOR-FIRST LLC | 1000 MIDLANTIC DR. SUITE 100 MT. LAUREL, NJ 08054 | HUMANA INSURANCE COMPANY | — | — | $0 | — |
| LABOR FIRST LLC Filed as: LABOR-FIRST LLC | 1000 MIDLANTIC DR. SUITE 100 MT. LAUREL, NJ 08054 | HUMANA INSURANCE COMPANY OF NEW YORK | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| I.E.SHAFFER & CO. EIN 22-1750854 NONE | Contract Administrator Service code 13 | — | $874K |
| HORIZON HEALTHCARE SERVICES, INC. EIN 22-0999690 NONE | Contract Administrator Service code 13 | — | $848K |
| PRUDENTIAL RETIREMENT AND ANNUITY C EIN 06-1050034 NONE | Contract Administrator Service code 13 | — | $79K |
| DAVID A. GERSON, CPA & ASSOC., PC EIN 22-3163246 NONE | Accounting (including auditing) Service code 10 | — | $60K |
| O'BRIEN, BELLAND & BUSHINSKY EIN 37-1467056 NONE | Legal Service code 29 | — | $41K |
| LINDABURY & ESTABROOK EIN 22-1943351 NONE | Legal Service code 29 | — | $14K |
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 | 1,608 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 327 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,935 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL SERVICES ORGANIZATION, LLC | 429 | $353K |
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 1,633 | $271K |
| Prescription drug(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 0 | $0 |
| Stop-loss / reinsurancereinsurance | AMALGAMATED LIFE INSURANCE COMPANY | 1,655 | $980K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,655 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.