| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC Filed as: LABOR FIRST, LLC | 1000 MIDATLANTIC DR SUITE 100 MOUNT LAUREL, NJ 08054 | HUMANA INSURANCE COMPANY | — | $16K | $16K | 9.35% |
| 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 | $99K |
| MARSH MCLENNON EIN 43-1254191 NONE | Contract Administrator Service code 13 | 825 MARYVILLE CENTER DRIVE CHESTERFIELD, MO 63017 | $91K |
| SCHEFFEL BOYLE EIN 37-1206530 AUDIT | Accounting (including auditing) Service code 10 | 143 N KANSAS ST EDWARDSVILLE, IL 62025 | $48K |
| CAVANAGH & O'HARA EIN 37-1259635 NONE | Legal Service code 29 | 2319 WEST JEFFERSON ST SPRINGFIELD, IL 62702 | $22K |
| UMB BANK EIN 43-1357092 NONE | Investment advisory (plan) Service code 27 | 1010 GRAND BLVD KANSAS CITY, MO 64106 | $21K |
| 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 | $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 | 153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 67 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 48 | $166K |
| Vision | VISION BENEFITS OF AMERICA | 210 | $16K |
| Life insurance | THE UNION LABOR LIFE INSURANCE CO | 155 | $6K |
| Short-term disability | THE UNION LABOR LIFE INSURANCE CO | 155 | $6K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE CO | 171 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.