| 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 | $99K | — | $99K | 5.07% |
| LABOR FIRST LLC3 Filed as: LABOR-FIRST LLC | 3000 MIDLANTIC DRIVE SUITE 101 MOUNT LAUREL, NJ 080541513 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 5.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF ILLINOIS EIN 36-1236610 NONE | Other services; Claims processing; Other commissions; Contract Administrator Service code 12 | — | $476K |
| TIM MORRIN EIN 36-2242666 PLAN ADMINISTRATOR | Plan Administrator; Employee (plan) Service code 14 | — | $238K |
| HINES & ASSOCIATES EIN 36-3545085 NONE | Other services Service code 49 | — | $187K |
| KELLY LAVKO EIN 36-2242666 EMPLOYEE | Employee (plan) Service code 30 | — | $157K |
| O'DONOGHUE & O'DONOGHUE EIN 53-0120528 NONE | Legal Service code 29 | — | $105K |
| CATHERINE HUMMER EIN 36-2242666 EMPLOYEE | Employee (plan) Service code 30 | — | $102K |
| ERICA VEUGELER EIN 36-2242666 EMPLOYEE | Employee (plan) Service code 30 | — | $101K |
| MARY MITCHELL EIN 36-2242666 EMPLOYEE | Employee (plan) Service code 30 | — | $95K |
| BYRNE SOFTWARE TECHNOLOGY EIN 43-1853340 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $65K |
| ELIZABETH ZUBRICKS EIN 36-2242666 EMPLOYEE | Employee (plan) Service code 30 | — | $49K |
| NATIONAL INVESTMENT SERVICES, INC. EIN 84-3937993 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $48K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $47K |
| PILLAR RX EIN 83-0714696 NONE | Other services Service code 49 | — | $39K |
| UNITED ACTUARIAL SERVICES EIN 35-2156428 NONE | Actuarial; Consulting (general) Service code 11 | — | $39K |
| OPTUMRX, INC EIN 33-0441200 NONE | Direct payment from the plan; Claims processing; Other fees; Contract Administrator; Float revenue Service code 12 | — | $32K |
| STRATEGIC CAPITAL INVESTMENT ADVISO EIN 36-4268991 NONE | Investment advisory (plan) Service code 27 | — | $30K |
| LASALLE CONSULTING PARTNERS EIN 36-4030449 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $29K |
| PBIRX NONE | Other services; Consulting (general) Service code 16 | 612 WHEELERS FARM ROAD, 1ST FLOOR MILFORD, CT 06461 | $26K |
| EMPLOYEE RESOURCE SYSTEMS EIN 36-3867945 NONE | Other services Service code 49 | — | $26K |
| ABSOLUTE SOLUTIONS, LLC EIN 27-3584158 NONE | Other services Service code 49 | — | $19K |
| ZELIS EIN 84-3069529 NONE | Participant communication; Other services Service code 38 | — | $16K |
| AMALGAMATED BANK OF CHICAGO EIN 36-0721895 NONE | Trustee (bank, trust company, or similar financial institution); Other investment fees and expenses; Float revenue Service code 21 | — | $15K |
| EYEMED EIN 86-0773195 NONE | Claims processing; Contract Administrator Service code 12 | — | $9K |
| DATAMATION EIN 36-4303011 NONE | Other services Service code 49 | — | $8K |
| JOHNSON & KROL EIN 36-4342024 NONE | Legal Service code 29 | — | $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 | 889 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 558 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,447 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HUMANA INSURANCE COMPANY | 638 | $2.0M |
| Vision | AMERITAS LIFE INSURANCE CORP. | 1,522 | $78K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 1,311 | $100K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 982 | $194K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 1,311 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,522 | — |
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."
No prospect flags tripped on this filing.