| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC5 Filed as: LABOR-FIRST LLC | 3000 MIDLANTIC DRIVE STE 101 MOUNT LAUREL, NJ 080541513 | HUMANA INSURANCE COMPANY | $32K | — | $32K | 4.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGENCE BLUESHIELD EIN 91-0282080 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Copying and duplicating; Claims processing; Direct payment from the plan; Other commissions; Recordkeeping fees; Contract Administrator; Participant communication; Float revenue; Accounting (including auditing) Service code 10 | — | $2.2M |
| BROWN & BROWN OF WA DBA DIMARTINO EIN 91-1473578 NONE | Insurance services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Consulting fees; Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees; Finders' fees / placement fees Service code 15 | — | $1.1M |
| VIMLY BENEFIT SOLUTIONS, INC. EIN 91-1603312 NONE | Other commissions; Accounting (including auditing); Copying and duplicating; Direct payment from the plan; Contract Administrator; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees Service code 10 | — | $471K |
| DELTA DENTAL OF WASHINGTON EIN 91-0621480 NONE | Recordkeeping fees; Contract Administrator; Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Copying and duplicating; Claims processing; Participant communication Service code 10 | — | $184K |
| BRIDGEHEALTH MEDICAL, INC. EIN 26-0804648 NONE | Contract Administrator; Copying and duplicating; Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication; Recordkeeping fees; Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $72K |
| BROWN & BROWN OF CONNECTICUT, INC. NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | 55 CAPITAL BLVD, SUITE 102 ROCKY HILL, CT 06067 | $33K |
| MCKENZIE ROTHWELL BARLOW & COUGHRAN EIN 91-0889948 NONE | Legal; Direct payment from the plan; Consulting (general) Service code 16 | — | $28K |
| SCHOEDEL & SCHOEDEL, CPAS, PLLC EIN 91-0614823 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $19K |
| CORKILL INSURANCE AGENCY, INC. EIN 36-3140485 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $19K |
| HEALTH CARE COST MANAGEMENT CORP EIN 94-3283661 NONE | Direct payment from the plan; Contract Administrator; Copying and duplicating; Recordkeeping fees; Other services; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | — | $9K |
| EPIC HEARING EIN 95-4660712 NONE | Copying and duplicating; Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Contract Administrator; Recordkeeping fees; Participant communication Service code 10 | — | $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 | 2,676 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 419 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,095 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 489 | $1.2M |
| Stop-loss / reinsurancereinsurance | LIFEMAP ASSURANCE COMPANY | 8,828 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,828 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.