| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC3 | 3000 MIDATLANTIC DRIVE SUITE 101 MT LAUREL, NJ 08054 | UNITED AMERICAN INSURANCE COMPANY | — | — | $0 | 0.00% |
| LABOR FIRST LLC | 3000 MIDATLANTIC DRIVE SUITE 101 MT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GEMGROUP, INC. EIN 26-1603738 NONE | Contract Administrator Service code 13 | — | $338K |
| ENVISION RX EIN 90-1011712 NONE | Claims processing Service code 12 | — | $201K |
| UNITED CONCORDIA COMPANIES INC EIN 25-1687586 NONE | Insurance services Service code 23 | — | $156K |
| SAGE ADVISORY SERVICES, LTD CO. NONE | Investment management Service code 28 | 5900 SOUTHWEST PARKWAY, BUILDING 1 AUSTIN, TX 78735 | $117K |
| CLEARY, JOSEM & TRIGIANI, LLP EIN 23-2657967 NONE | Legal Service code 29 | — | $88K |
| ALLIED TRADES ASSISTANCE PROGRAM EIN 23-2591093 NONE | Other fees Service code 99 | — | $69K |
| DANIEL A. WINTERS & COMPANY, CPAS EIN 23-2586736 NONE | Accounting (including auditing) Service code 10 | — | $51K |
| EMPLOYEE A EIN 23-2715454 NONE | Employee (plan) Service code 30 | — | $46K |
| JACOBY DONNER, P.C. EIN 23-2220388 NONE | Legal Service code 29 | — | $45K |
| KENNEDY PRINTING CO., INC. EIN 23-1699861 NONE | Copying and duplicating Service code 36 | — | $29K |
| STEAMFITTERS LU 420 BUILDING FUND EIN 37-1424586 UNION AFFILIATE | Other fees Service code 99 | — | $27K |
| NATIONAL VISION ADMINISTRATORS LLC EIN 22-2998772 NONE | Claims processing Service code 12 | — | $21K |
| CBIZ RETIREMENT PLAN SERVICES NONE | Actuarial Service code 11 | 1845 WALNUT STREET, 14TH FLOOR PHILADELPHIA, PA 19103 | $21K |
| CONNOR STRONG & BUCKELEW NONE | Insurance services Service code 23 | 401 ROUTE 73 NORTH P.O BOX 989 MARLTON, NJ 08053 | $19K |
| MANCINE OPTICAL CO, INC NONE | Other fees Service code 99 | 2910 ROUTE 130 NORTH DELRAN, NJ 08075 | $18K |
| MORGAN STANLEY WEALTH MGMT NONE | Investment management Service code 28 | 522 5TH AVENUE, 11TH FLOOR NEW YORK, NY 10036 | $18K |
| AIM ADMINISTRATORS LLC NONE | Insurance services Service code 23 | 401 ROUTE 73 NORTH, SUITE 300 MARLTON, NJ 08053 | $18K |
| J.A MARIANO AGENCY, INC EIN 22-2280590 NONE | Insurance agents and brokers Service code 22 | — | $15K |
| GALLAGHER BENEFIT SERVICES NONE | Consulting (general) Service code 16 | 5001 LOUISE DRIVE, SUITE 301 MECHANICSBURG, PA 17055 | $12K |
| PNC BANK, N.A. EIN 25-1211909 NONE | Soft dollars commissions; Custodial (securities); Float revenue; Distribution (12b-1) fees; Investment management Service code 19 | — | $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 | 2,612 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,594 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED AMERICAN INSURANCE COMPANY | 1,944 | $4.2M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF PENNSYLVANIA | 0 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,755 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.