| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC3 | 2406 NASSAU ROAD CINNAMINSON, NJ 08077 | AETNA LIFE INSURANCE | $8K | — | $8K | 3.23% |
| ALLIED BENEFIT SYSTEMS, LLC3 Filed as: ALLIED BENEFIT SYSTEMS INC | 200 W ADAMS ST #500 CHICAGO, IL 60606 | RELIANCE STANDARD LIFE | $2K | — | $2K | 6.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIED BENEFIT SYSTEMS, INC EIN 36-3086057 NONE | Contract Administrator; Consulting (general); Claims processing Service code 12 | — | $83K |
| PLUMBERS LOCAL UNION 210 EIN 35-2116536 AFFILIATED ORGANIZATION | Plan Administrator Service code 14 | — | $65K |
| AETNA LIFE EIN 06-6033492 NONE | Other fees Service code 99 | — | $63K |
| BANSLEY AND KIENER, L.L.P. EIN 36-2152389 NONE | Accounting (including auditing) Service code 10 | — | $28K |
| LABOR FIRST, LLC EIN 06-1750191 NONE | Insurance services Service code 23 | — | $23K |
| CHEIRON, INC EIN 13-4215617 NONE | Actuarial Service code 11 | — | $16K |
| STEWART C. MILLER & CO., INC EIN 35-1820020 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $7K |
| PAUL T. BERKOWITZ & ASSOCIATES EIN 36-3780998 NONE | Legal Service code 29 | — | $6K |
| MARQUETTE AND ASSOCIATES EIN 36-3485298 NONE | Investment advisory (plan) Service code 27 | — | $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 | 232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 76 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIANCE STANDARD LIFE | 319 | $28K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 235 | $363K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE | 319 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.