| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC3 | 1000 MIDLANTIC DRIVE SUITE 100 MOUNT LAUREL, NJ 08054 | HUMANA INSURANCE COMPANY OF NEW YORK | $427K | $0 | $427K | 24.88% |
| LABOR FIRST LLC3 | 1000 MIDLANTIC DRIVE SUITE 100 MOUNT LAUREL, NJ 08054 | HUMANA INSURANCE COMPANY | $7K | $0 | $7K | 24.76% |
| ULLICO INVESTMENT COMPANY, LLC7 Filed as: ULLICO INVESTMENT COMPANY, INC | 8403 COLESVILLE ROAD SILVER SPRINGS, MD 20910 | THE UNION LABOR LIFE INSURANCE COMPANY | $56K | $0 | $56K | — |
| THE UNION LABOR LIFE INSURANCE COMP0 | 8403 COLESVILLE ROAD SILVER SPRINGS, MD 20910 | THE UNION LABOR LIFE INSURANCE COMPANY | $6K | — | $6K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ILLINOIS EIN 36-1236610 NONE | Other services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 12 | — | $5.3M |
| IBEW-NECA BENEFITS ADMIN. ASSOC. EIN 36-3761128 ADMINISTRATOR | Contract Administrator; Direct payment from the plan Service code 13 | — | $3.8M |
| DESERT SHORE CAPITAL PARTNERS LLC EIN 84-2853707 NONE | Consulting fees; Direct payment from the plan; Other services Service code 49 | — | $1.4M |
| MEDIMPACT HEALTHCARE SYSTEMS INC EIN 33-0567651 NONE | Direct payment from the plan; Claims processing; Other services Service code 12 | — | $1.1M |
| BRIDGEVIEW BENEFIT TECHNOLOGIES LLC EIN 52-1796473 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $637K |
| TELLIGEN EIN 42-0992483 NONE | Consulting fees; Direct payment from the plan; Other services Service code 49 | — | $593K |
| INETICO/VALENZ CARE EIN 36-4869660 NONR | Direct payment from the plan; Consulting fees Service code 50 | — | $310K |
| UNITED ACTUARIAL SERVICES, INC EIN 35-2156428 NONE | Direct payment from the plan; Actuarial; Consulting (general) Service code 11 | — | $246K |
| REDCARD EIN 20-5388701 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $243K |
| PNC BANK, NATIONAL ASSOCIATION EIN 22-1146430 NONE | Investment advisory (plan); Soft dollars commissions; Float revenue; Custodial (securities); Non-monetary compensation; Trustee (bank, trust company, or similar financial institution); Investment management fees paid indirectly by plan; Shareholder servicing fees Service code 19 | — | $241K |
| AMERICAN REALTY ADVISORS EIN 95-4871432 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $220K |
| KERBER, ECK & BRAECKEL LLP EIN 43-0352985 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $184K |
| WEX HEALTH EIN 06-1593514 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $162K |
| ULLICO INVESTMENT ADVISORS, INC EIN 52-6435649 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $150K |
| CAVANAGH & OHARA EIN 37-1259635 NONE | Direct payment from the plan Service code 50 | — | $139K |
| IFM INVESTORS PTY LTD. | Investment management; Foreign entity (e.g., an agent or broker, bank, insurance company, etc. not operating within jurisdictional boundaries of the United States); Investment management fees paid indirectly by plan Service code 28 | — | $139K |
| THE GUARDIAN LIFE INSURANCE CO EIN 13-5123390 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $111K |
| BUCK GLOBAL EIN 13-3954297 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $94K |
| NEOPOST USA INC EIN 94-2984524 NONE | Direct payment from the plan; Other services Service code 49 | — | $90K |
| CLASSIC PRINTING, INC EIN 37-0800985 NONE | Direct payment from the plan; Other services Service code 49 | — | $58K |
| PARAMETRIC PORTFOLIO ASSOCIATED LLC EIN 20-0292745 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $48K |
| MARQUETTE ASSOCIATES EIN 36-3485298 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $47K |
| FIRST AMERICAN ADMINISTRATORS INC EIN 86-0773195 NONE | Other services; Direct payment from the plan Service code 49 | — | $36K |
| ECI PREFUNDING CREDIT REIMBURSEMENT EIN 39-1291995 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $31K |
| BLACKROCK INSTITUTIONAL TR CO EIN 94-3112180 NONE | Trustee (discretionary); Investment management fees paid directly by plan; Direct payment from the plan; Trustee (bank, trust company, or similar financial institution); Investment management Service code 21 | — | $24K |
| FAIR HEALTH, INC EIN 90-0524293 NONE | Other services; Claims processing; Direct payment from the plan Service code 12 | — | $24K |
| CORRELLIAN SOFTWARE, INC EIN 47-1372895 NONE | Consulting fees; Direct payment from the plan; Other services Service code 49 | — | $16K |
| BUSEY BANK EIN 37-0613731 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $11K |
| COMERICA BANK EIN 20-7110236 NONE | Other fees; Direct payment from the plan; Shareholder servicing fees; Other investment fees and expenses; Investment management; Other services; Float revenue Service code 28 | — | $8K |
| CRESCENT CAPTIAL HIGH INCOME FUND B EIN 45-5287411 NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | — | $0 |
| IFM INVESTORS PTY LTD NONE | Foreign entity (e.g., an agent or broker, bank, insurance company, etc. not operating within jurisdictional boundaries of the United States); Investment advisory (participants); Investment management fees paid indirectly by plan Service code 26 | 114 WEST 47TH STREEET, 26TH FL NEW YORK, NY 10036 | $0 |
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 | 12,682 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,109 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,791 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY OF NEW YORK | 2,763 | $1.7M |
| Vision(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY OF NEW YORK | 2,763 | $1.7M |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,763 | — |
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.