| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES | PO BOX 632886 CINCINNATI, OH 45263 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 NONE | Investment management fees paid directly by plan; Contract Administrator; Direct payment from the plan; Other services; Participant communication; Non-monetary compensation; Claims processing; Named fiduciary; Float revenue Service code 12 | — | $733K |
| BASIL CASTROVINCI ASSOCIATES EIN 13-2831500 NONE | Contract Administrator; Actuarial; Direct payment from the plan Service code 11 | — | $170K |
| METS SCHIRO AND MCGOVERN EIN 75-3116930 NONE | Legal; Direct payment from the plan Service code 29 | — | $45K |
| LABOR FIRST LLC EIN 73-1128555 NONE | Contract Administrator; Insurance agents and brokers; Direct payment from the plan Service code 13 | 3000 MIDLANTIC DRIVE STE 101 MOUNT LAUREL, NJ 08054 | $35K |
| 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 | $25K |
| MD SASS EIN 13-2704843 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $23K |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 153 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 339 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | LABOR FIRST LLC | 153 | $456K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 317 | $70K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 186 | $165K |
| Other | HARTFORD LIFE AND ACCIDENT | 317 | $70K |
| 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.