| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC5 | 3000 MIDLANTIC DRIVE, SUITE 101 MT. LAUREL, NJ 08054 | HUMANA INSURANCE COMPANY | $875 | — | $875 | 0.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 NONE | Claims processing; Other fees Service code 12 | — | $355K |
| A. WYDRA EIN 36-2325442 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $155K |
| D. CARROLL EIN 36-2325442 EMPLOYEE | Employee (plan) Service code 30 | — | $126K |
| P. THIES EIN 36-2325442 EMPLOYEE | Employee (plan) Service code 30 | — | $115K |
| R. REMBLOS EIN 36-2325442 EMPLOYEE | Employee (plan) Service code 30 | — | $102K |
| R. ORITZ- MALDONADO EIN 36-2325442 EMPLOYEE | Employee (plan) Service code 30 | — | $66K |
| LOOMIS SAYLES TRUST COMPANY LP EIN 20-8080381 NONE | Investment management fees paid directly by plan Service code 51 | — | $53K |
| TFBC EIN 27-3782504 NONE | Consulting (general); Actuarial Service code 11 | — | $47K |
| GREGORIO STEC KLEIN & HOSE EIN 36-4028033 NONE | Legal Service code 29 | — | $41K |
| HOURGLASS TECHNOLOGIES EIN 46-1959061 NONE | Consulting (general); Other services Service code 16 | — | $40K |
| MEDICAL COST MANAGEMENT EIN 36-3445315 NONE | Other services Service code 49 | — | $39K |
| DELTA DENTAL OF ILLINOIS EIN 36-2612058 NONE | Claims processing Service code 12 | — | $18K |
| LEGACY PROFESSIONALS EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $17K |
| BMO HARRIS BANK, NA EIN 36-2085229 NONE | Account maintenance fees; Custodial (securities); Recordkeeping fees Service code 19 | — | $15K |
| MARQUETTE & ASSOCIATES EIN 36-3485298 NONE | Investment advisory (plan) Service code 27 | — | $15K |
| VALENZ CARE EIN 36-4869660 NONE | Other services Service code 49 | — | $13K |
| MARCO, MCGUIRE & ARREOLA, LLC EIN 88-4115449 NONE | Legal Service code 29 | — | $10K |
| BANSLEY AND KIENER, L.L.P. EIN 36-2152389 NONE | Accounting (including auditing) Service code 10 | — | $10K |
| MACNELL ACCOUNTING & CONSULTING LLC EIN 30-0510353 NONE | Accounting (including auditing) Service code 10 | — | $5K |
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Contract Administrator; Other services Service code 13 | — | $5K |
| AMALGAMATED BANK EIN 36-0721895 NONE | Float revenue; Account maintenance fees; Direct payment from the plan Service code 50 | — | $4K |
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 | 647 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 168 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 815 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | 710 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 710 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.