| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC3 Filed as: LABOR-FIRST LLC | 3000 MIDLANTIC DRIVE, SUITE 101 MOUNT LAUREL, NJ 080541513 | HUMANA INSURANCE COMPANY | $46K | — | $46K | 9.21% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERVICES, INC | 2111 EAST HIGHLAND AVENUE, STE B210 PHOENIX, AZ 85016 | HCC LIFE INSURANCE COMPANY | $14K | — | $14K | 5.00% |
| LABOR FIRST LLC3 Filed as: LABOR-FIRST LLC | 3000 MIDLANTIC DRIVE, SUITE 101 MOUNT LAUREL, NJ 080541513 | HUMANA INSURANCE COMPANY OF NEW YORK | $700 | — | $700 | 10.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC EIN 35-0781558 NONE | Claims processing; Contract Administrator; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services Service code 12 | — | $304K |
| TIC INTERNATIONAL EIN 13-2600875 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Plan Administrator; Copying and duplicating; Claims processing Service code 12 | — | $165K |
| ACTIVATE HEALTHCARE EIN 27-0908752 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $125K |
| JOHNSON & KROL, LLC EIN 36-4342024 NONE | Legal; Direct payment from the plan Service code 29 | — | $60K |
| TFBC LLC EIN 27-3782504 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $46K |
| STEWART C. MILLER EIN 35-1820020 NONE | Contract Administrator; Copying and duplicating; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Plan Administrator; Claims processing Service code 12 | — | $46K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $24K |
| DELTA DENTAL EIN 35-1545647 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $21K |
| STRATEGIC CAP INVEST ADVISORS, INC EIN 36-4268991 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $20K |
| MED-CARE MANAGEMENT INC. EIN 88-0429522 NONE | Direct payment from the plan; Other services Service code 49 | — | $20K |
| HUNT INSURANCE AGENCY EIN 36-2730032 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $11K |
| EMPLOYEE RESOURCE SYSTEMS EIN 36-3867645 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $10K |
| VSP EIN 06-1227840 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $9K |
| JP MORGAN CHASE BANK, NA EIN 13-4994650 NONE | Custodial (other than securities); Float revenue Service code 18 | — | $7K |
| TED WINDSOR & ASSOCIATES, LLC EIN 36-4374704 NONE | Consulting (general); Direct payment from the plan; Actuarial Service code 11 | — | $7K |
| OPTUM RX EIN 33-0441200 NONE | Claims processing; Direct payment from the plan; Float revenue; Other fees Service code 12 | — | $6K |
| AMALGAMATED BANK OF CHICAGO EIN 36-0721895 NONE | Direct payment from the plan; Custodial (securities); Float revenue; Investment management fees paid indirectly by plan Service code 19 | — | $2K |
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 | 510 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 195 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 705 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 249 | $501K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 501 | $27K |
| Prescription drug | HUMANA INSURANCE COMPANY | 249 | $494K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 562 | $372K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 562 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.