| 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 | BLUE MEDICARE ADVANTAGE | $22K | — | $22K | 6.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $328K |
| MARY ZAPPOLO EIN 23-1578380 EMPLOYEE | Employee (plan); Recordkeeping fees Service code 30 | — | $108K |
| NOVAK FRANCELLA, LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $92K |
| CHARTWELL INVESTMENT PARTNERS EIN 36-4776242 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $75K |
| BOYD WATTERSON ASSET MANAGEMENT LLC EIN 34-1922005 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $65K |
| JOE MOSKAUSKI EIN 23-1578380 EMPLOYEE | Employee (plan); Recordkeeping fees Service code 30 | — | $59K |
| GUARDIAN NURSES HEALTHCARE ADVOCATE EIN 57-1187937 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $53K |
| BENECARD SERVICES, INC. EIN 22-2998772 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $46K |
| RAE GROUP LLC EIN 83-4646394 NONE | Direct payment from the plan; Consulting (general); Actuarial Service code 11 | — | $43K |
| CLARE CREIGHTON EIN 23-1578380 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $36K |
| BRIDGEWAY BENEFIT TECHNOLOGIES EIN 52-1796473 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $33K |
| INVESTMENT PERFORMANCE SERVICES LLC EIN 58-2432392 NONE | Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | — | $30K |
| ALLIED TRADES ASSISTANCE PROGRAM EIN 23-2591093 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $24K |
| MWM LAW LLC EIN 88-3166568 NONE | Legal; Direct payment from the plan Service code 29 | — | $21K |
| SUSANIN,WIDMAN & BRENNAN, P.C. EIN 23-2265950 NONE | Legal; Direct payment from the plan Service code 29 | — | $20K |
| NATIONAL VISION ADMINISTRATORS LLC EIN 74-3033381 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $16K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $15K |
| PRINCIPAL FINANCIAL GROUP, INC. EIN 42-1520346 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $13K |
| WELLS FARGO EIN 94-1347393 NONE | Other services; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $6K |
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 | 411 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 194 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 102 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 707 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | GERBER LIFE INSURANCE COMPANY | 7 | $728K |
| Other(3 contracts, 3 carriers) | BLUE MEDICARE ADVANTAGE | 139 | $346K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.