| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC3 | 2406 NASSAU ROAD CINNAMINSON, NJ 08077 | THE UNION LABOR LIFE INSURANCE CO. | $49K | — | $49K | 11.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $528 | $3K | 14.90% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 NONE | Direct payment from the plan; Other fees; Claims processing; Float revenue Service code 12 | — | $570K |
| HORIZON HEALTHCARE SERVICES, INC. EIN 22-0999690 CLAIMS PROCESSOR | Contract Administrator Service code 13 | — | $266K |
| JOHN C. DULCZAK EIN 23-1685740 EMPLOYEE | Employee (plan) Service code 30 | — | $227K |
| LABOR FIRST LLC NONE | Insurance agents and brokers; Claims processing; Consulting (general) Service code 12 | 3000 MIDLANTIC DR #101 MT LAUREL, NJ 08054 | $59K |
| DEBORAH PIETKOWSKI EIN 23-1685740 EMPLOYEE | Employee (plan) Service code 30 | — | $57K |
| PAMELA PALMER EIN 23-1685740 EMPLOYEE | Employee (plan) Service code 30 | — | $50K |
| INNOVATIVE SOFTWARE SOLUTIONS, INC. EIN 23-2182079 NONE | Contract Administrator Service code 13 | — | $30K |
| FISCHER DORWART, P.C. EIN 23-2247478 NONE | Accounting (including auditing) Service code 10 | — | $28K |
| FRANK SALADINO EIN 23-1685740 EMPLOYEE | Employee (plan) Service code 30 | — | $25K |
| MORGAN STANLEY SMITH BARNEY EIN 11-2418191 NONE | Investment advisory (plan) Service code 27 | — | $15K |
| FRANK VACCARO & ASSOCIATES EIN 23-2148108 NONE | Contract Administrator; Actuarial Service code 11 | — | $15K |
| WRIGHT INVESTORS SERVICE, INC. NONE | Investment advisory (plan) Service code 27 | 440 WHEELERS FARMS ROAD MILFORD, CT 06461 | $9K |
| TD WEALTH MANAGEMENT NONE | Float revenue; Distribution (12b-1) fees; Custodial (securities); Recordkeeping fees; Other fees; Trustee (bank, trust company, or similar financial institution); Other investment fees and expenses Service code 19 | 1006 ASTORIA BLVD. CHERRY HILL, NJ 08034 | $8K |
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 | 303 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 235 | $21K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE CO. | 303 | $416K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 235 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.