| 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 | $186K | $0 | $186K | 5.82% |
| ASSOCIATED BENEFITS AND RISK CONSUL3 | 711 EISENHOWER DR. KIMBERLY, WI 54138 | THE UNION LABOR LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUELINK/CCS EIN 41-1427596 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $1.6M |
| WILSON-MCSHANE CORPORATION EIN 41-0956552 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $887K |
| RON EITHER EIN 41-1365924 EMPLOYEE | Contract Administrator; Direct payment from the plan Service code 13 | — | $161K |
| PRIME THERAPEUTICS EIN 26-0076803 NONE | Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Direct payment from the plan; Other services; Contract Administrator; Claims processing Service code 12 | — | $128K |
| FARR, MILLER & WASHINTION EIN 52-1979573 NONE | Soft dollars commissions; Investment management fees paid directly by plan; Investment management; Investment management fees paid indirectly by plan Service code 28 | — | $118K |
| MCGRANN SHEA CARNIVAL STRAUGH & LAM EIN 41-1654544 NONE | Legal; Direct payment from the plan Service code 29 | — | $109K |
| REINHART PARTNERS, INC. EIN 39-1711628 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $108K |
| UNITED ACTUARIAL SERVICES EIN 35-2156428 NONE | Consulting (general); Direct payment from the plan; Actuarial Service code 11 | — | $95K |
| DELTA DENTAL EIN 41-1905554 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $69K |
| VSP EIN 06-1227840 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $32K |
| ANDCO CONSULTING EIN 59-3676225 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $32K |
| CLIFTONLARSONALLEN EIN 41-0746749 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $27K |
| US BANK NATIONAL ASSOCIATION EIN 31-0841368 NONE | Other investment fees and expenses; Direct payment from the plan; Float revenue; Custodial (securities); Investment management fees paid indirectly by plan; Securities brokerage commissions and fees; Soft dollars commissions Service code 19 | — | $10K |
| HONSA-BINDER PRINTING NONE | Direct payment from the plan; Other services Service code 49 | 320 SPRUCE STREET ST. PAUL, MN 55101 | $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 | 2,200 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,079 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 1,188 | $3.2M |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,572 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,572 | — |
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.