| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC3 Filed as: LABOR-FIRST LLC | 1000 MIDLANTIC DRIVE SUITE 100 MOUNT LAUREL, NJ 080541511 | HUMANA INSURANCE COMPANY | $2K | $0 | $2K | 0.19% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 100 SUMMIT LAKE DR. SUITE 400 VALHALLA, NY 10595 | THE UNION LABOR LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WILSON-MCSHANE CORPORATION EIN 41-0956552 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $914K |
| BLUELINK/CCS EIN 41-1427596 NONE | Direct payment from the plan; Contract Administrator; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $828K |
| LABOR FIRST, LLC EIN 06-1750191 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $443K |
| UMR, INC EIN 39-1995276 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $299K |
| PRIME THERAPEUTICS EIN 26-0076803 NONE | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Direct payment from the plan; Other fees; Other services; Float revenue Service code 12 | — | $123K |
| MADISON INVESTMENT ADVISORS. LLC EIN 39-1194160 NONE | Investment management fees paid directly by plan; Soft dollars commissions; Investment management Service code 28 | — | $116K |
| RON EITHER EIN 41-1365924 EMPLOYEE | Direct payment from the plan; Contract Administrator Service code 13 | — | $113K |
| MCGRANN SHEA CARNIVAL STRAUGH & LAM EIN 41-1654544 NONE | Legal; Direct payment from the plan Service code 29 | — | $109K |
| HIGHTOWER ADVISORY EIN 36-4500709 NONE | Investment management; Investment management fees paid directly by plan; Investment management fees paid indirectly by plan; Soft dollars commissions Service code 28 | — | $74K |
| UNITED ACTUARIAL SERVICES EIN 35-2156428 NONE | Consulting (general); Direct payment from the plan; Actuarial Service code 11 | — | $68K |
| DELTA DENTAL EIN 41-1905554 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $59K |
| CLIFTONLARSONALLEN EIN 41-0746749 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $32K |
| VSP EIN 06-1227840 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $29K |
| FARR, MILLER & WASHINTION EIN 52-1979573 NONE | Investment management fees paid directly by plan; Investment management; Investment management fees paid indirectly by plan; Soft dollars commissions Service code 28 | — | $25K |
| US BANK NATIONAL ASSOCIATION EIN 31-0841368 NONE | Investment management fees paid indirectly by plan; Float revenue; Soft dollars commissions; Custodial (securities); Securities brokerage commissions and fees; Direct payment from the plan; Other investment fees and expenses Service code 19 | — | $12K |
| HONSA-BINDER PRINTING NONE | Other services; Direct payment from the plan Service code 49 | 320 SPRUCE STREET ST. PAUL, MN 55101 | $11K |
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 | 2,018 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,083 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC | 1,259 | $3.4M |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 2,406 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,406 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.