| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, STE 700 MINNEAPOLIS, MN 55402 | TOKIO MARINE HCC | $44K | — | $44K | 9.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | P.O. BOX 748422 ATLANTA, GA 303748422 | TOKIO MARINE HCC | $4K | $22K | $26K | 5.35% |
| LABOR FIRST LLC4 Filed as: LABOR FIRST, LLC | 1000 MIDLANTIC DRIVE, STE 100 MOUNT LAUREL, NJ 08054 | SIERRA HEALTH AND LIFE INSURANCE COMPANY | $13K | — | $13K | 7.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WILSON-MCSHANE CORPORATION EIN 41-0956552 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Copying and duplicating; Claims processing; Contract Administrator Service code 12 | — | $456K |
| UMR, INC. EIN 39-1995276 NONE | Contract Administrator; Claims processing; Other fees Service code 12 | — | $206K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 20-8764829 NONE | Investment management; Recordkeeping fees; Other commissions; Direct payment from the plan Service code 28 | — | $66K |
| UNITED ACTUARIAL SERVICES, INC. EIN 35-2156428 NONE | Actuarial Service code 11 | — | $34K |
| CVS PHARMACY INC. EIN 05-0340626 NONE | Claims processing; Contract Administrator Service code 12 | — | $26K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $21K |
| DDMN ASO, LLC EIN 41-1852523 NONE | Claims processing; Contract Administrator Service code 12 | — | $19K |
| FOX ROTHSCHILD LLP EIN 23-1404723 NONE | Legal Service code 29 | — | $19K |
| TEAM, INC. EIN 81-4050818 NONE | Contract Administrator; Claims processing Service code 12 | — | $17K |
| FELHABER LARSON EIN 41-0991071 NONE | Legal Service code 29 | — | $12K |
| WAGEWORKS EIN 94-3351864 NONE | Claims processing; Contract Administrator Service code 12 | — | $8K |
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 | 789 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 59 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 848 | 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 | 48 | $230K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 619 | $44K |
| Prescription drug(3 contracts, 2 carriers) | SIERRA HEALTH AND LIFE INSURANCE COMPANY | 48 | $203K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC | 626 | $484K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 619 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 626 | — |
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.