| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC Filed as: LABOR-FIRST LLC | 1000 MIDLANTIC DRIVE - SUITE 100 MOUNT LAUREL, NJ 080541511 | HUMANA INSURANCE COMPANY | $20K | — | $20K | 1.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 606945287 | HCC LIFE INSURANCE CO. (TOKIO MARINE) | — | $33K | $33K | 4.00% |
| LABOR FIRST LLC Filed as: LABOR-FIRST LLC | 1000 MIDLANTIC DRIVE - SUITE 100 MOUNT LAUREL, NJ 080541511 | HUMANA INSURANCE COMPANY OF NEW YORK | $138 | — | $138 | 1.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INDEPENDENCE BLUE CROSS EIN 23-2184623 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $885K |
| PENSION FUND FOR HHCE PHILADELPHIA EIN 23-2627428 RELATED ORG. | Other services; Direct payment from the plan Service code 49 | — | $364K |
| PAYER MATRIX, LLC EIN 81-3946362 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $218K |
| GALLAGHER (ARTHUR J. GALLAGHER) EIN 36-2481781 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $150K |
| TINA GLENN EIN 23-2627429 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $107K |
| LABOR FIRST EIN 06-1750191 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $85K |
| NATESHE WILLIAMS EIN 23-2627429 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $83K |
| ERIC BROOKS EIN 23-2627429 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $82K |
| BRIDGEWAY BENEFIT TECHNOLOGIES EIN 52-1796473 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $69K |
| PAMELA A SMITH-STRITE EIN 23-2627429 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $63K |
| NOVAK FRANCELLA, LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $61K |
| EMPIRX HEALTH EIN 47-1226691 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $60K |
| MORGAN, LEWIS & BOCKIUS LLP EIN 23-0891050 NONE | Legal; Direct payment from the plan Service code 29 | — | $57K |
| SHELDON WILLIAMS EIN 23-2627429 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $54K |
| EVAN SMITH EIN 23-2627429 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $50K |
| BENEFIT3 INC NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | 301 OXFORD AVLLEY RD, STE 202B YARDLEY, PA 19067 | $48K |
| GLENDELLE CAMERON-DIXON NONE | Direct payment from the plan; Other services Service code 49 | 12 CARDENTI CT NEWARK, DE 19702 | $45K |
| ADRIAN HURST EIN 23-2627429 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $42K |
| EVELYN ALAMEDA EIN 23-2627429 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $37K |
| BERTA SHKODRA EIN 23-2627429 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $35K |
| PRINCIPAL CUSTODY SOLUTIONS EIN 42-0127290 NONE | Direct payment from the plan; Account maintenance fees Service code 50 | — | $33K |
| BLAIR DEVALIA EIN 23-2627429 EMPLOYEE | Employee (plan) Service code 30 | — | $31K |
| INVESTMENT PERFORMANCE SERVICES LLC EIN 58-2432390 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $29K |
| O'DONOGHUE & O'DONOGHUE LLP EIN 53-0120528 NONE | Legal; Direct payment from the plan Service code 29 | — | $27K |
| SEGALL BRYANT & HAMILL LLC EIN 46-6418945 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $19K |
| CYNTHIA JONES-BROOKS NONE | Other services; Direct payment from the plan Service code 49 | 5433 N LAWRENCE ST, 1ST FL PHILADELPHIA, PA 19120 | $18K |
| WORK & WELL INC EIN 22-3116423 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $9K |
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 | 1,287 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,325 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,612 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 2,244 | $233K |
| Prescription drug(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 432 | $1.1M |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE CO. (TOKIO MARINE) | 1,315 | $835K |
| Other | HUMANA INSURANCE COMPANY | 432 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,244 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.