| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC5 Filed as: LABOR FIRST | 2406 NASSAU ROAD CINNAMINSON, NJ 08077 | AETNA LIFE INSURANCE COMPANY | $12K | — | $12K | 1.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGENCE BLUESHIELD EIN 91-0282080 NONE | Participant communication; Float revenue; Accounting (including auditing); Recordkeeping fees; Copying and duplicating; Direct payment from the plan; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Other commissions Service code 10 | — | $1.7M |
| BROWN & BROWN OF WA DBA DIMARTINO EIN 91-1473578 NONE | Consulting fees; Finders' fees / placement fees; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance agents and brokers; Insurance services; Insurance brokerage commissions and fees; Direct payment from the plan Service code 15 | — | $860K |
| VIMLY BENEFIT SOLUTIONS, INC. EIN 91-1603312 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication; Copying and duplicating; Accounting (including auditing); Other commissions; Direct payment from the plan; Recordkeeping fees; Contract Administrator Service code 10 | — | $414K |
| DELTA DENTAL OF WASHINGTON EIN 91-0621480 NONE | Claims processing; Contract Administrator; Direct payment from the plan; Participant communication; Accounting (including auditing); Copying and duplicating; Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees Service code 10 | — | $110K |
| SCHOEDEL & SCHOEDEL, CPAS, PLLC EIN 91-0614823 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $17K |
| CORKILL INSURANCE AGENCY, INC. NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 25 NORTHWEST POINT BLVD, SUITE 625 ELK GROVE VILLAGE, IL 60007 | $16K |
| MCKENZIE ROTHWELL BARLOW & COUGHRAN EIN 91-0889948 NONE | Legal; Direct payment from the plan; Consulting (general) Service code 16 | — | $11K |
| EPIC HEARING NONE | Accounting (including auditing); Participant communication; Direct payment from the plan; Copying and duplicating; Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees; Contract Administrator Service code 10 | 3191 W TEMPLE AVE, SUITE 200 POMONA, CA 91768 | $7K |
| BRIDGEHEALTH MEDICAL, INC. EIN 26-0804648 NONE | Recordkeeping fees; Participant communication; Contract Administrator; Copying and duplicating; Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 10 | — | $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 | 2,099 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 250 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,349 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED AMERICAN INSURANCE COMPANY | 222 | $384K |
| Stop-loss / reinsurancereinsurance | LIFEMAP ASSURANCE COMPANY | 7,217 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,217 | — |
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."
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.