| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC3 Filed as: LABOR-FIRST LLC | 3000 MIDATLANTIC DRIVE, STE 101 MOUNT LAUREL, NJ 08054 | HUMANA INSURANCE COMPANY | $159K | — | $159K | 4.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LIVE HEALTHIER EIN 47-2516714 NONE | Consulting fees Service code 70 | — | $808K |
| CLEVELAND BAKERS & TEAMSTERS H&W FD EIN 34-0753693 VARIOUS EMPLOYEES | Employee (plan sponsor) Service code 35 | — | $735K |
| MORELAND PARTNERS EIN 55-0789729 NONE | Other services Service code 49 | — | $441K |
| JAMES B. OSWALD COMPANY EIN 34-0445620 NONE | Other services Service code 49 | — | $195K |
| DELTA DENTAL OF OHIO EIN 31-0685339 NONE | Claims processing Service code 12 | — | $153K |
| WESTERN ASSET EIN 04-3404987 NONE | Investment management Service code 28 | — | $83K |
| FAULKNER, HOFFMAN & PHILLIPS EIN 45-1540483 NONE | Legal Service code 29 | — | $79K |
| RSM US LLP EIN 42-0714325 NONE | Accounting (including auditing) Service code 10 | — | $78K |
| LITTLER MENDELSON EIN 94-2602731 NONE | Legal Service code 29 | — | $77K |
| GALLAGHER FIDUCIARY ADVISORS EIN 26-0516431 NONE | Investment advisory (plan) Service code 27 | — | $62K |
| LSV ASSET MANAGEMENT EIN 23-2772200 NONE | Investment management Service code 28 | — | $57K |
| QWESTCOM EIN 34-1959482 NONE | Other services; Direct payment from the plan Service code 49 | — | $33K |
| NATIONAL VISION ADMIN EIN 74-3033381 NONE | Claims processing Service code 12 | — | $33K |
| TODD ASSOCIATES EIN 34-0727780 NONE | Insurance agents and brokers Service code 22 | — | $32K |
| BLACKROCK INSTITUTIONAL TRUST EIN 94-3112180 NONE | Investment management Service code 28 | — | $27K |
| BNY MELLON ASSET SERVICING EIN 13-5160382 NONE | Custodial (securities) Service code 19 | — | $17K |
| INTEGRATED CORPORATE HEALTH EIN 26-2835669 NONE | Other services Service code 49 | — | $14K |
| CINCINNATI INSURANCE EIN 31-0542366 NONE | Insurance services Service code 23 | — | $10K |
| ACUITY EIN 39-0491540 NONE | Insurance agents and brokers Service code 22 | — | $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 | 4,029 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,664 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,693 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICAL MUTUAL OF OHIO | 4,432 | $41.4M |
| Life insurance | CONSUMERS LIFE INSURANCE COMPANY | 4,549 | $2.6M |
| Short-term disability | CONSUMERS LIFE INSURANCE COMPANY | 4,549 | $2.6M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 38 | $6K |
| Prescription drug(2 contracts, 2 carriers) | MEDICAL MUTUAL OF OHIO | 4,432 | $41.4M |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 4,432 | $37.9M |
| Other(2 contracts, 2 carriers) | MEDICAL MUTUAL OF OHIO | 4,549 | $40.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,549 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.