| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES | 250 PHILLIPS BLVD., STE 280 EWING, NJ 08618 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 NONE | Participant communication; Named fiduciary; Non-monetary compensation; Float revenue; Investment management fees paid directly by plan; Other services; Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $161K |
| BASIL CASTROVINCI ASSOCIATES EIN 13-2831500 NONE | Actuarial; Direct payment from the plan; Contract Administrator Service code 11 | — | $155K |
| METS SCHIRO AND MCGOVERN EIN 75-3116930 NONE | Legal; Direct payment from the plan Service code 29 | — | $42K |
| MSPC, CPA'S AND ADVISORS, P.C. EIN 22-2951202 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 340 NORTH AVENUE EAST CRANFORD, NJ 07016 | $23K |
| LABOR FIRST LLC EIN 73-1128555 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | 3000 MIDLANTIC DRIVE STE 101 MOUNT LAUREL, NJ 08054 | $23K |
| MD SASS EIN 13-2704843 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $14K |
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 | 198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 117 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | LABOR FIRST LLC | 201 | $455K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 317 | $51K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 223 | $187K |
| Other | HARTFORD LIFE AND ACCIDENT | 317 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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."
No prospect flags tripped on this filing.