| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC3 | 3000 MIDLANTIC DRIVE SUITE 101 MT LAUREL, NJ 08054 | TRANSAMERICA PREMIER LIFE 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 LN BERKELEY HEIGHTS, NJ 07922 | SYMETRA LIFE INSURANCE COMPANY | $66K | $18K | $83K | 12.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS,INC NONE | Contract Administrator Service code 13 | 401 LIBERTY AVENUE, STE 1200 PITTSBURGH, PA 15222 | $288K |
| SAGE ADVISORY SERVICES, LTD CO. NONE | Investment management Service code 28 | 5900 SOUTHWEST PARKWAY, BUILDING 1 AUSTIN, TX 78735 | $136K |
| CONNER STRONG & BUCKELEW NONE | Insurance services Service code 23 | 401 ROUTE 73 NORTH P.O BOX 989 MARLTON, NJ 08053 | $118K |
| DANIEL A. WINTERS & COMPANY, CPAS EIN 23-2586736 NONE | Accounting (including auditing) Service code 10 | — | $85K |
| CLEARY, JOSEM & TRIGIANI, LLP EIN 23-2657967 NONE | Legal Service code 29 | — | $74K |
| ALLIED TRADES ASSISTANCE PROGRAM EIN 23-2591093 NONE | Other fees Service code 99 | — | $71K |
| EMPLOYEE A EIN 23-2715454 NONE | Employee (plan) Service code 30 | — | $58K |
| UNITED CONCORDIA COMPANIES INC EIN 25-1687586 NONE | Insurance services Service code 23 | — | $52K |
| AIM ADMINISTRATORS LLC NONE | Insurance services Service code 23 | 401 ROUTE 73 NORTH, SUITE 300 MARLTON, NJ 08053 | $39K |
| KENNEDY PRINTING CO., INC. EIN 23-1699861 NONE | Copying and duplicating Service code 36 | — | $37K |
| KANG HAGGERTY & FETBROYT NONE | Legal Service code 29 | 123 S. BROAD STREET, SUITE 1670 PHILADELPHIA, PA 19109 | $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 | Distribution (12b-1) fees; Investment management; Soft dollars commissions; Float revenue; Custodial (securities) Service code 19 | — | $25K |
| NATIONAL VISION ADMINISTRATORS LLC EIN 22-2998772 NONE | Claims processing Service code 12 | — | $23K |
| 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 |
| MANCINE OPTICAL CO, INC NONE | Other fees Service code 99 | 2910 ROUTE 130 NORTH DELRAN, NJ 08075 | $15K |
| ENVISION RX EIN 90-1011712 NONE | Claims processing Service code 12 | — | $10K |
| D&W TECHNOLOGIES NONE | Other services Service code 49 | 13 BRECKENRDIGE DR SICKLERVILLE, NJ 08081 | $7K |
| GUARDIAN NURSES HEALTHCARE ADVOCATE NONE | Other services Service code 49 | PO BOX 224 FLOURTOWN, PA 19031 | $6K |
| PURCHASE POWER EIN 84-1386389 NONE | Other fees Service code 99 | — | $6K |
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 | 2,812 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,534 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRANSAMERICA PREMIER LIFE INSURANCE COMPANY | 2,044 | $4.7M |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 3,965 | $655K |
| Stop-loss / reinsurancereinsurance | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | 3,212 | $1.9M |
| Other(2 contracts, 2 carriers) | EXPRESS SCRIPTS | 3,965 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,844 | — |
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.