| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC3 Filed as: LABOR FIRST-LLC | 3000 MIDLANTIC DRIVE SUITE 101 MOUNT LAUREL, NJ 080541513 | HUMANA INSURANCE COMPANY | $48K | — | $48K | 12.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WILSON-MCSHANE CORPORATION EIN 41-0956552 NONE | Claims processing; Contract Administrator; Accounting (including auditing) Service code 10 | — | $271K |
| BLUE CROSS BLUE SHIELD OF MN EIN 41-0984460 NONE | Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $136K |
| UNITED ACTUARIAL SERVICES EIN 35-2156428 NONE | Actuarial Service code 11 | — | $95K |
| KUTAK ROCK LLP EIN 47-0597598 NONE | Legal Service code 29 | — | $78K |
| UMR, INC. EIN 39-1995276 NONE | Claims processing; Other commissions Service code 12 | — | $72K |
| PRIME THERAPEUTICS EIN 26-0076803 NONE | Float revenue; Claims processing; Other fees; Other services Service code 12 | — | $31K |
| RBC WEALTH MANAGEMENT EIN 41-1416330 NONE | Investment advisory (plan) Service code 27 | — | $19K |
| TEAM LLC EIN 81-4050818 NONE | Other services Service code 49 | — | $18K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $16K |
| UNION BANK & TRUST EIN 41-1267434 NONE | Custodial (securities); Float revenue Service code 19 | — | $15K |
| CVS PHARMACY INC. EIN 05-0340626 NONE | Contract Administrator Service code 13 | — | $7K |
| HEALTHDYNAMICS LLC EIN 39-1923786 NONE | Contract Administrator Service code 13 | — | $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 | 716 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 287 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 45 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,048 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 281 | $374K |
| Prescription drug | HUMANA INSURANCE COMPANY | 281 | $374K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.