| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC3 | 3000 MIDLANTIC DRIVE SUITE 101 MT LAUREL, NJ 08054 | UNITED AMERICAN INSURANCE COMPANY | — | — | $0 | 0.00% |
| LABOR FIRST LLC | 3000 MIDLANTIC DRIVE SUITE 101 MT LAUREL, NJ 08054 | EXPRESS SCRIPTS | — | — | $0 | 0.00% |
| JOHN H BLASCH3 | 71 BEECHWOOD LANE BERKELEY HEIGHTS, NJ 07922 | AIG GROUP BENEFITS | $84K | — | $84K | 13.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS,INC NONE | Contract Administrator Service code 13 | 401 LIBERTY AVENUE, STE 1200 PITTSBURGH, PA 15222 | $317K |
| ENVISION RX EIN 90-1011712 NONE | Claims processing Service code 12 | — | $214K |
| UNITED CONCORDIA COMPANIES INC EIN 25-1687586 NONE | Insurance services Service code 23 | — | $159K |
| SAGE ADVISORY SERVICES, LTD CO. NONE | Investment management Service code 28 | 5900 SOUTHWEST PARKWAY, BUILDING 1 AUSTIN, TX 78735 | $128K |
| CLEARY, JOSEM & TRIGIANI, LLP EIN 23-2657967 NONE | Legal Service code 29 | — | $74K |
| EMPLOYEE A EIN 23-2715454 NONE | Employee (plan) Service code 30 | — | $46K |
| DANIEL A. WINTERS & COMPANY, CPAS EIN 23-2586736 NONE | Accounting (including auditing) Service code 10 | — | $31K |
| STEAMFITTERS LU 420 BUILDING FUND EIN 37-1424586 UNION AFFILIATE | Other fees Service code 99 | — | $29K |
| PNC BANK, N.A. EIN 25-1211909 NONE | Float revenue; Soft dollars commissions; Custodial (securities); Distribution (12b-1) fees; Investment management Service code 19 | — | $24K |
| KANG HAGGERTY & FETBROYT NONE | Legal Service code 29 | 123 S. BROAD STREET, SUITE 1670 PHILADELPHIA, PA 19109 | $23K |
| NATIONAL VISION ADMINISTRATORS LLC EIN 22-2998772 NONE | Claims processing Service code 12 | — | $23K |
| MANCINE OPTICAL CO, INC NONE | Other fees Service code 99 | 2910 ROUTE 130 NORTH DELRAN, NJ 08075 | $19K |
| MORGAN STANLEY WEALTH MGMT NONE | Investment management Service code 28 | 522 5TH AVENUE, 11TH FLOOR NEW YORK, NY 10036 | $18K |
| CBIZ RETIREMENT PLAN SERVICES NONE | Actuarial Service code 11 | 1845 WALNUT STREET, 14TH FLOOR PHILADELPHIA, PA 19103 | $17K |
| PURCHASE POWER EIN 84-1386389 NONE | Other fees Service code 99 | — | $15K |
| KAESER & BLAIR INC. NONE | Other fees Service code 99 | 4239 GRISSOM DRIVE BATAVIA, OH 45103 | $8K |
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 | 2,676 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,612 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED AMERICAN INSURANCE COMPANY | 1,982 | $4.1M |
| Life insurance | AIG GROUP BENEFITS | 3,904 | $640K |
| Other | AIG GROUP BENEFITS | 3,904 | $640K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,781 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.