| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC3 | 3000 MIDLANTIC DRIVE, STE 101 MT LAUREL, NJ 08054 | TRANSAMERICA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES | PO BOX 632886 CINCINNATI, OH 45263 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 5.00% |
| CBIZ BENEFITS & INSURANCE SERVICES0 Filed as: CBIZ BENEFITS & INS SERVICES | PO BOX 632886 CINCINNATI, OH 45263 | HARTFORD LIFE AND ACCIDENT | — | $669 | $669 | 0.79% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BASIL CASTROVINCI ASSOCIATES EIN 13-2831500 ADMIN/CONSULTANT | Actuarial; Direct payment from the plan; Contract Administrator Service code 11 | — | $175K |
| UMR - UNITED HEALTH CARE CLAIMS PROCESS | Direct payment from the plan; Claims processing Service code 12 | 150 W. WAUSAU AVE WAUSAU, WI 54401 | $125K |
| PAYER MATRIX CLAIMS NEGOTIATING | Direct payment from the plan; Consulting (general) Service code 16 | 1400 N. PROVIDENCE RD., STE 5000 MEDIA, PA 19063 | $64K |
| METS SCHIRO AND MCGOVERN EIN 75-3116930 ATTORNEY | Direct payment from the plan Service code 50 | — | $40K |
| LABOR FIRST LLC EIN 73-1128555 RETIREE ADMIN | Insurance agents and brokers; Contract Administrator; 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 AUDITORS | Direct payment from the plan; Accounting (including auditing) Service code 10 | 340 NORTH AVENUE EAST CRANFORD, NJ 07016 | $24K |
| MD SASS EIN 13-2704843 INVEST MGR | Investment management fees paid directly by plan; Investment management Service code 28 | — | $15K |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 148 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 315 | $84K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 181 | $151K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 315 | $596K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.