| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC0 Filed as: LABOR-FIRST LLC | 1000 MIDLANTIC DRIVE, SUITE 100 MOUNT LAUREL, NJ 08054 | HUMANA INSURANCE COMPANY | $169K | — | $169K | 17.25% |
| LABOR FIRST LLC0 Filed as: LABOR-FIRST LLC | 1000 MIDLANTIC DRIVE, SUITE 100 MOUNT LAUREL, NJ 08054 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 18.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MARATHON HEALTH, LLC EIN 26-0103977 NONE | Contract Administrator Service code 13 | — | $480K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Claims processing; Contract Administrator Service code 12 | — | $341K |
| BLUE CROSS BLUE SHIELD OF IL EIN 36-1236610 NONE | Contract Administrator; Claims processing; Other insurance fees and expenses Service code 12 | — | $281K |
| UNION EYES, LLC EIN 83-3067276 NONE | Contract Administrator Service code 13 | — | $251K |
| JOSEPH OHM EIN 36-4026252 EMPLOYEE | Plan Administrator; Employee (plan) Service code 14 | — | $78K |
| BRIDGEWAY BENEFIT TECHNOLOGIES LLC EIN 52-1796473 NONE | Other services; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees Service code 15 | — | $70K |
| GRACIELA DELGADO EIN 36-4026252 EMPLOYEE | Employee (plan) Service code 30 | — | $61K |
| SEGAL EIN 13-1975125 NONE | Actuarial; Consulting (general) Service code 11 | — | $57K |
| LISA SURDYK EIN 36-4026252 EMPLOYEE | Employee (plan) Service code 30 | — | $50K |
| MAIRE O'BRIEN EIN 36-4026252 EMPLOYEE | Employee (plan) Service code 30 | — | $49K |
| LISA BOWE EIN 36-4026252 EMPLOYEE | Other fees; Employee (plan) Service code 30 | — | $49K |
| MARIDZA TORRES-RAMOS EIN 36-4026252 EMPLOYEE | Employee (plan) Service code 30 | — | $48K |
| DELTA DENTAL OF ILLINOIS EIN 36-2612058 NONE | Contract Administrator; Claims processing Service code 12 | — | $41K |
| NATL INVSTMT SERVICES OF AMERICA EIN 84-3937993 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $40K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing) Service code 10 | — | $40K |
| WASHINGTON CAPITAL MANAGEMENT, INC. EIN 91-1042342 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $36K |
| OPTUM FINANCIAL, INC. EIN 47-0858530 NONE | Contract Administrator Service code 13 | — | $33K |
| NANCY JONES EIN 36-4026252 EMPLOYEE | Employee (plan) Service code 30 | — | $31K |
| GREGORIO, STEC, KLEIN & HOSE EIN 99-0408958 NONE | Legal Service code 29 | — | $27K |
| DATAMATION IMAGING SERVICES CORP. EIN 36-4303011 NONE | Other services Service code 49 | — | $21K |
| LANER MUCHIN, LTD. EIN 36-3088463 NONE | Legal Service code 29 | — | $17K |
| EYEMED VISION CARE LLC EIN 31-1656473 NONE | Claims processing; Contract Administrator Service code 12 | — | $14K |
| HINES & ASSOCIATES, INC. EIN 36-3545085 NONE | Other services Service code 49 | — | $11K |
| ZELIS PAYMENTS HOLDING LLC EIN 84-3069529 NONE | Other services Service code 49 | — | $10K |
| AMALGAMATED BANK OF CHICAGO EIN 36-0721895 NONE | Investment management fees paid indirectly by plan; Float revenue; Custodial (securities) Service code 19 | — | $8K |
| STADTLER TECHNOLOGIES LLC NONE | Other services Service code 49 | 10952 TANGLEWOOD DR YORKVILLE, IL 60560 | $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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,655 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,655 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HUMANA INSURANCE COMPANY | 2,136 | $988K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,136 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.