| 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 | $87K | — | $87K | 4.88% |
| LABOR FIRST LLC3 Filed as: LABOR-FIRST LLC | 3000 MIDLANTIC DRIVE SUITE 101 MOUNT LAUREL, NJ 080541513 | HUMANA INSURANCE COMPANY | $5K | — | $5K | 4.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF ILLINOIS EIN 36-1236610 NONE | Claims processing; Contract Administrator; Other commissions; Other services Service code 12 | — | $468K |
| TIM MORRIN EIN 36-2242666 PLAN ADMINISTRATOR | Employee (plan); Plan Administrator Service code 14 | — | $222K |
| HINES & ASSOCIATES EIN 36-3545085 NONE | Other services Service code 49 | — | $184K |
| KELLY LAVKO EIN 36-2242666 EMPLOYEE | Employee (plan) Service code 30 | — | $140K |
| CATHERINE HUMMER EIN 36-2242666 EMPLOYEE | Employee (plan) Service code 30 | — | $90K |
| MARY MITCHELL EIN 36-2242666 EMPLOYEE | Employee (plan) Service code 30 | — | $90K |
| O'DONOGHUE & O'DONOGHUE EIN 53-0120528 NONE | Legal Service code 29 | — | $88K |
| OPTUMRX, INC EIN 33-0441200 NONE | Direct payment from the plan; Claims processing; Float revenue; Other fees Service code 12 | — | $86K |
| ELIZABETH ZUBRICKS EIN 36-2242666 EMPLOYEE | Employee (plan) Service code 30 | — | $82K |
| ERICA VEUGELER EIN 36-2242666 EMPLOYEE | Employee (plan) Service code 30 | — | $74K |
| BYRNE SOFTWARE TECHNOLOGY EIN 43-1853340 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $49K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $43K |
| UNITED ACTUARIAL SERVICES EIN 35-2156428 NONE | Actuarial Service code 11 | — | $38K |
| NATIONAL INVESTMENT SERVICES, INC. EIN 80-0169636 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $36K |
| PILLAR RX EIN 83-0714696 NONE | Other services Service code 49 | — | $35K |
| STRATEGIC CAPITAL INVESTMENT ADVISO EIN 36-4268991 NONE | Investment advisory (plan) Service code 27 | — | $30K |
| ABSOLUTE SOLUTIONS, LLC EIN 27-3584158 NONE | Other services Service code 49 | — | $23K |
| EMPLOYEE RESOURCE SYSTEMS EIN 36-3867645 NONE | Other services Service code 49 | — | $19K |
| LASALLE CONSULTING PARTNERS EIN 36-4030449 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $17K |
| RED CARD EIN 20-5388701 NONE | Participant communication; Other services Service code 38 | — | $15K |
| AMALGAMATED BANK OF CHICAGO EIN 36-0721895 NONE | Trustee (bank, trust company, or similar financial institution); Float revenue; Other investment fees and expenses Service code 21 | — | $15K |
| INTERACTIVE HEALTH, INC. EIN 36-3798756 NONE | Other services Service code 49 | — | $14K |
| JOHNSON & KROL EIN 36-4342024 NONE | Legal Service code 29 | — | $10K |
| EYEMED EIN 86-0773195 NONE | Contract Administrator; Claims processing Service code 12 | — | $9K |
| DATAMATION EIN 36-4303011 NONE | Other services Service code 49 | — | $8K |
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 | 901 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 541 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,442 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HUMANA INSURANCE COMPANY | 591 | $1.9M |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 1,322 | $107K |
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | 1,442 | $191K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 1,322 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,442 | — |
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.