| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC3 | 1000 MIDLANTIC DRIVE SUITE 100 MOUNT LAUREL, NJ 08054 | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC | $120K | — | $120K | 38.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EVERSIDE HEALTH LLC EIN 83-0674262 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $723K |
| ANTHEM INSURANCE COMPANIES, INC EIN 35-0781558 NONE | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Other services Service code 12 | — | $290K |
| BENEFIT MANAGEMENT GROUP, INC EIN 20-0188125 NONE | Direct payment from the plan; Contract Administrator; Claims processing; Copying and duplicating; Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator Service code 12 | — | $231K |
| TFBC LLC EIN 27-3782504 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $50K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing) Service code 10 | — | $48K |
| DELTA DENTAL EIN 35-1545647 NONE | Direct payment from the plan; Insurance agents and brokers; Claims processing; Insurance brokerage commissions and fees; Contract Administrator Service code 12 | — | $36K |
| JOHNSON & KROL, LLC EIN 36-4342024 NONE | Legal; Direct payment from the plan Service code 29 | — | $28K |
| INETICO, LLC (DBA VALENZ CARE) EIN 36-4869660 NONE | Other services; Direct payment from the plan Service code 49 | — | $24K |
| STRATEGIC CAP INVEST ADVISORS, INC EIN 36-4268991 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $23K |
| OPTUM RX EIN 33-0441200 NONE | Float revenue; Claims processing; Other fees; Direct payment from the plan Service code 12 | — | $18K |
| HUNT INSURANCE AGENCY EIN 36-2730032 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $15K |
| EMPLOYEE RESOURCE SYSTEMS EIN 36-3867645 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $12K |
| PILLAR RX CONSULTING, LLC EIN 83-0714696 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $10K |
| AMALGAMATED BANK OF CHICAGO EIN 36-0721895 NONE | Float revenue; Investment management fees paid indirectly by plan; Direct payment from the plan; Custodial (securities); Investment management Service code 19 | — | $9K |
| TED WINDSOR & ASSOCIATES, LLC EIN 36-4374704 NONE | Direct payment from the plan; Actuarial; Consulting (general) Service code 11 | — | $9K |
| SOMMERS & FAHRENBACH EIN 36-1796440 NONE | Copying and duplicating Service code 36 | — | $7K |
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 | 581 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 222 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 803 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC | 274 | $317K |
| Life insurance(2 contracts) | ANTHEM LIFE INSURANCE COMPANY | 582 | $46K |
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | 581 | $524K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 582 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.