| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC3 | 3000 MIDLANTIC DRIVE, SUITE 101 MOUNT LAUREL, NJ 08054 | GERBER LIFE INSURANCE COMPANY | $49K | — | $49K | 12.00% |
| 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 | $2K | — | $2K | 9.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX, INC. EIN 33-0441200 NONE | Float revenue; Other fees; Direct payment from the plan; Claims processing Service code 12 | — | $444K |
| JOHN C. DULCZAK EIN 23-1685740 EMPLOYEE | Employee (plan) Service code 30 | — | $273K |
| HORIZON HEALTHCARE SERVICES, INC. EIN 22-0999690 CLAIMS PROCESSOR | Contract Administrator Service code 13 | — | $261K |
| LABOR FIRST LLC | Claims processing; Consulting (general); Insurance agents and brokers Service code 12 | — | $65K |
| DEBORAH PIETKOWSKI EIN 23-1685740 EMPLOYEE | Employee (plan) Service code 30 | — | $64K |
| PAMELA PALMER EIN 23-1685740 EMPLOYEE | Employee (plan) Service code 30 | — | $57K |
| FRANK VACCARO & ASSOCIATES EIN 23-2148108 NONE | Actuarial; Contract Administrator Service code 11 | — | $53K |
| INNOVATIVE SOFTWARE SOLUTIONS, INC. EIN 23-2182079 NONE | Contract Administrator Service code 13 | — | $37K |
| FISCHER DORWART, P.C. EIN 23-2247478 NONE | Accounting (including auditing) Service code 10 | — | $27K |
| MORGAN STANLEY SMITH BARNEY EIN 11-2418191 NONE | Investment advisory (plan) Service code 27 | — | $24K |
| FRANK SALADINO EIN 23-1685740 EMPLOYEE | Employee (plan) Service code 30 | — | $16K |
| OLD GLORY ASSET MANAGEMENT NONE | Investment advisory (plan) Service code 27 | 5 GREAT VALLEY PARKWAY SUITE 326 MALVERN, PA 19355 | $12K |
| TD WEALTH MANAGEMENT NONE | Trustee (bank, trust company, or similar financial institution); Recordkeeping fees; Other fees; Float revenue; Other investment fees and expenses; Custodial (securities); Distribution (12b-1) fees Service code 19 | 1006 ASTORIA BLVD. CHERRY HILL, NJ 08034 | $4K |
| LABOR FIRST, LLC NONE | Claims processing; Consulting (general); Insurance agents and brokers Service code 12 | 3000 MIDLANTIC DR #101 MT LAUREL, NJ 08054 | $0 |
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 | 282 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 282 | $25K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 279 | $408K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 282 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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.