| 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 | $17K | — | $17K | 12.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BELMONT | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $583 | — | $583 | 10.08% |
| 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 | — | $73 | $73 | 1.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JOHN C. DULCZAK EIN 23-1685740 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $273K |
| OPTUM RX, INC. EIN 33-0441200 NONE | Float revenue; Direct payment from the plan; Other fees; Claims processing Service code 12 | — | $120K |
| DEBORAH PIETKOWSKI EIN 23-1685740 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $69K |
| PAMELA PALMER EIN 23-1685740 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $63K |
| BRIDGEWAY BENEFIT TECHNOLOGIES NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | 3000 SOUTH LENOLA ROAD MAPLE SHADE, NJ 08052 | $51K |
| RICHARD MCNEIL EIN 23-1685740 EMPLOYEE | Employee (plan); Legal; Direct payment from the plan Service code 29 | — | $44K |
| HORIZON HEALTHCARE SERVICES EIN 22-0999690 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $35K |
| WELLS FARGO ADVISORS NONE | Other fees; Investment management fees paid directly by plan; Other investment fees and expenses; Investment advisory (plan); Other services; Custodial (securities) Service code 19 | 30 S 17TH STREET PHILADELPHIA, PA 19103 | $30K |
| BEACON ADMINISTRATORS NONE | Actuarial; Direct payment from the plan; Contract Administrator Service code 11 | 20000 HORIZON WAY MOUNT LAUREL, NJ 08054 | $30K |
| FISCHER DORWART, PC EIN 23-2247478 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $27K |
| LABOR FIRST LLC | Claims processing; Consulting (general) Service code 12 | — | $13K |
| OLD GLORY ASSET MANAGEMENT EIN 90-0065134 NONE | Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | — | $13K |
| MARKOWITZ & RICHMAN NONE | Consulting (general); Direct payment from the plan Service code 16 | 123 BROAD STREET SUITE 2020 PHILADELPHIA, PA 19109 | $5K |
| LABOR FIRST, LLC NONE | Insurance agents and brokers; Claims processing; Consulting (general) 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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 20 | $6K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 115 | $144K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 20 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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.