| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC5 | 2406 NASSAU ROAD CINNAMINSON, NJ 08077 | AETNA LIFE INSURANCE CO. | $22K | — | $22K | 4.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 NONE | Other fees Service code 99 | — | $379K |
| A. WYDRA EIN 36-2325442 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $143K |
| R. FELDE EIN 36-2325442 EMPLOYEE | Employee (plan) Service code 30 | — | $137K |
| D. CARROLL EIN 36-2325442 EMPLOYEE | Employee (plan) Service code 30 | — | $105K |
| LOOMIS SAYLES TRUST COMPANY LP EIN 20-8080381 NONE | Investment management fees paid directly by plan Service code 51 | — | $64K |
| R. ORITZ- MALDONADO EIN 36-2325442 EMPLOYEE | Employee (plan) Service code 30 | — | $61K |
| GFAR HEALTH SERVICES, LLC NONE | Other fees Service code 99 | 1100 FIRST AVENUE KING OF PRUSSIA, PA 19406 | $54K |
| GREGORIO & MARCO EIN 36-4028033 NONE | Legal Service code 29 | — | $54K |
| TFBC EIN 27-3782504 NONE | Consulting (general) Service code 16 | — | $49K |
| MEDICAL COST MANAGEMENT EIN 36-3445315 NONE | Other fees Service code 99 | — | $48K |
| INNOVATIVE SOFTWARE SOLUTIONS INC. EIN 23-2182079 NONE | Consulting (general) Service code 16 | — | $24K |
| BANSLEY AND KIENER, L.L.P. EIN 36-2152389 NONE | Accounting (including auditing) Service code 10 | — | $21K |
| DELTA DENTAL OF ILLINOIS EIN 36-2612058 NONE | Claims processing Service code 12 | — | $20K |
| BMO HARRIS BANK, NA EIN 36-2085229 NONE | Custodial (securities) Service code 19 | — | $10K |
| MACNELL ACCOUNTING AND CONSULTING EIN 30-0510353 NONE | Accounting (including auditing) Service code 10 | — | $9K |
| CENTRAL PRINTERS & GRAPHICS INC. EIN 36-3940419 NONE | Direct payment from the plan Service code 50 | — | $7K |
| AMALGMATED BANK EIN 36-0721895 NONE | Float revenue; Other fees Service code 62 | — | $5K |
| SAVRX PRESCRIPTION SERVICES EIN 47-0527013 NONE | Other fees Service code 99 | — | $5K |
| MARQUETTE & ASSOCIATES EIN 36-3485298 NONE | Investment advisory (plan) Service code 27 | — | $5K |
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 | 765 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 153 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 918 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 776 | $263K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 776 | — |
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.