| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC3 | 3000 MIDLANTIC DRIVE, SUITE 101 MOUNT LAUREL, NJ 08054 | HUMANA INSURANCE COMPANY | $6K | — | $6K | 2.50% |
| ALLIED BENEFIT SYSTEMS, LLC3 Filed as: ALLIED BENEFIT SYSTEMS INC | 200 W ADAMS ST #500 CHICAGO, IL 60606 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 6.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ACTIVATE HEALTHCARE LLC EIN 27-0908752 NONE | Other services; Direct payment from the plan Service code 49 | — | $284K |
| ALLIED BENEFIT SYSTEMS INC EIN 36-3086057 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $176K |
| MELODY KALUZA EIN 32-0047529 EMPLOYEE | Employee (plan) Service code 30 | — | $60K |
| LABOR FIRST LLC EIN 06-1750191 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $38K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $26K |
| CHEIRON INC EIN 13-4215617 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $13K |
| STEWART C. MILLER & CO. INC EIN 35-1820020 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $9K |
| MARQUETTE ASSOCIATES EIN 36-3485298 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $8K |
| JOHNSON & KROL, LLC EIN 36-4342024 NONE | Legal; Direct payment from the plan Service code 29 | — | $7K |
| PAUL T. BERKOWITZ & ASSOCIATES EIN 36-3780998 NONE | Legal; Direct payment from the plan Service code 29 | — | $7K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Soft dollars commissions; Other insurance fees and expenses Service code 68 | — | $0 |
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 | 237 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 77 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 318 | $24K |
| Prescription drug | HUMANA INSURANCE COMPANY | 116 | $246K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 250 | $494K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 318 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.