| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC | 3000 MIDATLANTIC DR MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE CO | $4K | — | $4K | 3.82% |
| LABOR FIRST LLC | 3000 MIDATLANTIC DR SUITE 101 MOUNT LAUREL, NJ 080541513 | HUMANA INSURANCE COMPANY | $9K | — | $9K | 11.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 INSURANCE | Insurance brokerage commissions and fees Service code 53 | 9201 WATSON ROAD ST LOUIS, MO 63126 | $129K |
| J.W. TERRILL EIN 43-1254191 NONE | Contract Administrator Service code 13 | 825 MARYVILLE CENTER DRIVE CHESTERFIELD, MO 63017 | $88K |
| CAVANAGH & O'HARA EIN 37-1259635 NONE | Legal Service code 29 | 2319 WEST JEFFERSON ST SPRINGFIELD, IL 62702 | $23K |
| THE SEGAL COMPANY EIN 13-1975125 NONE | Actuarial Service code 11 | 101 NORTH WACKER DRIVE CHICAGO, IL 60606 | $7K |
| MARQUETTE ASSOCIATES EIN 36-3485298 NONE | Employee (plan) Service code 30 | 180 NORTH LA SALLE STREET CHICAGO, IL 60601 | $6K |
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 | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 51 | $182K |
| Vision | VISION BENEFITS OF AMERICA | 207 | $15K |
| Life insurance | THE UNION LABOR LIFE INSURANCE CO | 175 | $6K |
| Short-term disability | THE UNION LABOR LIFE INSURANCE CO | 175 | $6K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | THE UNION LABOR LIFE INSURANCE CO | 179 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.