| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC0 Filed as: LABOR FIRST, LLC | 1000 MIDATLANTIC DRIVE, SUITE 100 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE | $366K | — | $366K | 17.18% |
| DONALD C SAVOY INC3 | 25B HANOVER RD, SUITE 220 FLORHAM PARK, NJ 07932 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $6K | $6K | 3.98% |
| JN SAVASTA CORP3 Filed as: J N SAVASTA CORP | 1350 BROADWAY, RM 410 NEW YORK, NY 10018 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | $2K | $6K | 3.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SAVASTA AND COMPANY, INC EIN 13-3879959 NONE | Contract Administrator; Actuarial; Direct payment from the plan Service code 11 | — | $1.8M |
| EMPIRE HEALTHCHOICE ASSURANCE, INC. EIN 23-7391136 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Float revenue Service code 12 | — | $542K |
| MORGAN, LEWIS AND BOCKIUS EIN 23-0891050 NONE | Legal; Direct payment from the plan Service code 29 | — | $111K |
| HORIZON ACTUARIAL SERVICES, LLC EIN 26-1370698 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $105K |
| HEALTH MANAGEMENT CONCEPTS, INC NONE | Other services; Direct payment from the plan Service code 49 | 140 INTRACOASTAL POINTE DR JUNIPER, FL 33477 | $71K |
| CARY KANE, LLP EIN 20-1942442 LEGAL COUNSEL | Legal; Direct payment from the plan Service code 29 | — | $59K |
| CALIBRE CPA GROUP, PLLC EIN 47-0900880 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $50K |
| OPTUMRX, INC. EIN 33-0441200 NONE | Claims processing; Other fees; Direct payment from the plan Service code 12 | — | $45K |
| MEDREVIEW, INC EIN 13-3240352 NONE | Other services; Direct payment from the plan Service code 49 | — | $45K |
| DDS, INC EIN 11-2705347 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $42K |
| TEAMSTER CENTER SERVICES FUND EIN 13-1964856 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $31K |
| JENNISON ASSOCIATES EIN 52-2069785 NONE | Investment management fees paid indirectly by plan; Trustee (bank, trust company, or similar financial institution); Investment management fees paid directly by plan; Soft dollars commissions Service code 21 | — | $25K |
| WESTERN ASSET MANAGEMENT EIN 95-2705767 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $22K |
| STACEY BRAUN ASSOCIATES, INC. EIN 13-2889432 NONE | Investment management; Soft dollars commissions; Investment management fees paid directly by plan; Investment management fees paid indirectly by plan Service code 28 | — | $15K |
| BERNZOTT CAPITAL ADVISORS EIN 77-0464710 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $13K |
| SCHULTHEIS & PANETTIERI, LLP EIN 13-1577780 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $12K |
| U S BANK NATIONAL ASSOCIATION EIN 31-0841368 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $4K |
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 | 1,340 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 564 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,908 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,319 | $161K |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,319 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,319 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.