| 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 | $12K | — | $12K | 1.56% |
| LABOR FIRST LLC5 Filed as: LABOR-FIRST LLC | 3000 MIDLANTIC DRIVE STE 101 MT LAUREL, NJ 080541513 | TRANSAMERICA PREMIER LIFE INSURANCE COMPANY | $45K | — | $45K | 7.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGENCE BLUESHIELD EIN 91-0282080 NONE | Copying and duplicating; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other commissions; Participant communication; Claims processing; Float revenue; Recordkeeping fees; Accounting (including auditing) Service code 10 | — | $2.2M |
| BROWN & BROWN OF WA DBA DIMARTINO EIN 91-1473578 NONE | Direct payment from the plan; Consulting fees; Finders' fees / placement fees; Insurance brokerage commissions and fees; Insurance agents and brokers; Insurance services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general) Service code 15 | — | $1.3M |
| VIMLY BENEFIT SOLUTIONS, INC. EIN 91-1603312 NONE | Accounting (including auditing); Recordkeeping fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other commissions; Participant communication; Direct payment from the plan; Copying and duplicating Service code 10 | — | $686K |
| DELTA DENTAL OF WASHINGTON EIN 91-0621480 NONE | Recordkeeping fees; Accounting (including auditing); Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Copying and duplicating; Participant communication; Claims processing Service code 10 | — | $229K |
| BRIDGEHEALTH MEDICAL, INC. EIN 26-0804648 NONE | Copying and duplicating; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Participant communication; Accounting (including auditing); Contract Administrator; Recordkeeping fees Service code 10 | — | $90K |
| BROWN & BROWN OF CONNECTICUT, INC. NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | 55 CAPITAL BLVD, SUITE 102 ROCKY HILL, CT 06067 | $73K |
| MCKENZIE ROTHWELL BARLOW & COUGHRAN EIN 91-0889948 NONE | Legal; Direct payment from the plan; Consulting (general) Service code 16 | — | $55K |
| SCHOEDEL & SCHOEDEL, CPAS, PLLC EIN 91-0614823 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $22K |
| WEST COAST BUSINESS GRAPHICS EIN 91-2182455 NONE | Participant communication; Copying and duplicating; Direct payment from the plan Service code 36 | — | $16K |
| HIGHLAND CAPITAL ADVISORS, LLC EIN 20-4284376 NONE | Investment advisory (plan); Investment management fees paid directly by plan; Direct payment from the plan Service code 27 | — | $11K |
| HEALTH CARE COST MANAGEMENT CORP EIN 94-3283661 NONE | Participant communication; Other services; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees; Copying and duplicating; Contract Administrator Service code 13 | — | $9K |
| 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 | — | $8K |
| EPIC HEARING EIN 95-4660712 NONE | Participant communication; Accounting (including auditing); Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Copying and duplicating; Direct payment from the plan; Recordkeeping fees 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 | 2,527 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 437 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,964 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | COMMENCEMENT BAY RISK MANAGEMENT INSURANCE COMPANY | 9,289 | $3.6M |
| Dental | WILLAMETTE DENTAL OF WASHINGTON, INC. | 24 | $8K |
| Stop-loss / reinsurancereinsurance | COMMENCEMENT BAY RISK MANAGEMENT INSURANCE COMPANY | 9,289 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,289 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.