| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC3 Filed as: LABOR-FIRST LLC | 1000 MIDLANTIC DRIVE SUITE 100 MOUNT LAUREL, NJ 08054 | HUMANA INSURANCE COMPANY | $28K | — | $28K | 2.49% |
| LAKESHORE BENEFIT GROUP INSURANCE3 Filed as: LAKESHORE BENEFIT GROUP | 301 ALBANY TURNPIKE CANTON, CT 06019 | AMALGAMATED LIFE INSURANCE COMPANY | $81K | — | $81K | 8.00% |
| LABOR FIRST LLC Filed as: LABOR-FIRST LLC | 1000 MIDLANTIC DRIVE SUITE 100 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE CO | $123K | — | $123K | 13.84% |
| LAKESHORE BENEFIT GROUP INSURANCE3 Filed as: LAKESHORE BENEFIT GROUP | 301 ALBANY TURNPIKE CANTON, CT 06019 | AMALGAMATED LIFE INSURANCE COMPANY | $31K | — | $31K | 11.00% |
| LABOR FIRST LLC Filed as: LABOR-FIRST LLC | 1000 MIDLANTIC DRIVE SUITE 100 MOUNT LAUREL, NJ 08054 | HUMANA INSURANCE COMPANY OF NEW YORK | $876 | — | $876 | 2.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES, INC EIN 22-0999690 NONE | Contract Administrator Service code 13 | — | $1.3M |
| I.E. SHAFFER & CO EIN 22-1750854 NONE | Contract Administrator Service code 13 | 830 BEAR TAVERN ROAD WEST TRENTON, NJ 08628 | $940K |
| GERSON & ASSOC CPAS AND ADVISORS PC EIN 22-3163246 NONE | Accounting (including auditing) Service code 10 | 201 WEST PASSAIC STREET SUITE 405 ROCHELLE PARK, NJ 07662 | $61K |
| OBRIEN, BELLAND & BUSHINSKY EIN 37-1467056 NONE | Legal Service code 29 | — | $43K |
| LINDABURY & ESTABROOK EIN 22-1943351 NONE | Legal Service code 29 | — | $34K |
| EMPOWER ANNUITY INSURANCE CO EIN 06-1050034 NONE | Investment advisory (plan) Service code 27 | — | $29K |
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 | 1,659 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 362 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,021 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL SERVICES ORGANIZATION, LLC | 456 | $381K |
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 1,704 | $281K |
| Prescription drug(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 503 | $1.1M |
| Stop-loss / reinsurancereinsurance | AMALGAMATED LIFE INSURANCE COMPANY | 1,722 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,722 | — |
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.