| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC3 | 1000 MIDLANTIC DRIVE, STE 100 MOUNT LAUREL, NJ 08054 | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | $33K | — | $33K | 10.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WILSON-MCSHANE CORPORATION EIN 41-0956552 NONE | Contract Administrator; Claims processing; Copying and duplicating Service code 12 | — | $597K |
| UMR, INC. EIN 39-1995276 NONE | Claims processing; Other fees Service code 12 | — | $526K |
| T.E.A.M., LLC EIN 81-4050818 NONE | Claims processing Service code 12 | — | $73K |
| SHUMAKER, LOOP & KENDRICK EIN 34-4439491 NONE | Legal Service code 29 | — | $58K |
| DDMN ASO LLC EIN 41-1852523 NONE | Claims processing Service code 12 | — | $54K |
| BENEVELLE CONSULTING CORPORATION EIN 88-3202021 NONE | Actuarial Service code 11 | — | $49K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $24K |
| KUTAK ROCK, LLP EIN 47-0597598 NONE | Legal Service code 29 | — | $23K |
| SEGALL BRYANT & HAMILL EIN 35-2679129 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $22K |
| BROWN AND BROWN EIN 59-0864469 NONE | Insurance agents and brokers Service code 22 | — | $17K |
| HILB GROUP EIN 47-4324398 NONE | Insurance agents and brokers Service code 22 | — | $10K |
| FIDUCIENT ADVISORS EIN 31-0841368 NONE | Investment advisory (plan) Service code 27 | — | $7K |
| US BANK EIN 31-0841368 NONE | Float revenue; Custodial (securities) Service code 19 | — | $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 | 1,763 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 84 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,847 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 125 | $316K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,747 | $94K |
| Prescription drug | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 125 | $316K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 1,766 | $548K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,747 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,747 | — |
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.