| 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 | $23K | — | $23K | 12.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BELMONT | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $849 | — | $849 | 9.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W. GOLF ROAD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $106 | $106 | 1.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX, INC. EIN 33-0441200 NONE | Claims processing; Other fees; Direct payment from the plan; Float revenue Service code 12 | — | $282K |
| JOHN C. DULCZAK EIN 23-1685740 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $273K |
| HORIZON HEALTHCARE SERVICES,INC. EIN 22-0999690 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $86K |
| DEBORAH PIETKOWSKI EIN 23-1685740 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $69K |
| PAMELA PALMER EIN 23-1685740 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $63K |
| INNOVATIVE SOFTWARE SOLUTIONS, INC. EIN 23-2182079 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $45K |
| RICHARD MCNEIL EIN 23-1685740 EMPLOYEE | Employee (plan); Legal; Direct payment from the plan Service code 29 | — | $44K |
| BEACON ADMINISTRATORS NONE | Direct payment from the plan; Contract Administrator; Actuarial Service code 11 | 20000 HORIZON WAY MOUNT LAUREL, NJ 08054 | $34K |
| MORGAN STANLEY SMITH BARNEY EIN 20-8764829 NONE | Other investment fees and expenses; Investment advisory (plan); Investment management fees paid directly by plan; Other services; Other fees; Custodial (securities) Service code 19 | — | $30K |
| FISCHER DORWART, PC EIN 23-2247478 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $28K |
| LABOR FIRST LLC | Consulting (general); Claims processing Service code 12 | — | $20K |
| OLD GLORY ASSET MANAGEMENT EIN 90-0065134 NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | — | $13K |
| TD WEALTH MANAGEMENT NONE | Distribution (12b-1) fees; Other investment fees and expenses; Trustee (bank, trust company, or similar financial institution); Float revenue; Custodial (securities); Direct payment from the plan; Recordkeeping fees; Other fees Service code 19 | 1006 ASTORIA BLVD. CHERRY HILL, NJ 08034 | $4K |
| LABOR FIRST, LLC NONE | Consulting (general); Claims processing; Insurance agents and brokers Service code 12 | 3000 MIDLANTIC DRIVE MOUNT 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 | 196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 55 | $9K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 196 | $190K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 55 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.