| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC Filed as: LABOR FIRST | 3000 MIDLANTIC DRIVE MT LAUREL SUITE, NJ 08054 | BENISTAR | $22K | — | $22K | 2.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GEM GROUP EIN 25-1139840 NONE | Plan Administrator; Claims processing Service code 12 | ROCKWOOD OFFICE PARK 501 CARR ROAD WILMINGTON, DE 19809 | $211K |
| BOLTON PARTNERS INC EIN 52-1231144 NONE | Actuarial Service code 11 | 100 LIGHT STREET 9TH FLOOR BALTIMORE, MD 21202 | $38K |
| COLUMBIA PARTNERS EIN 52-1940739 NONE | Investment management Service code 28 | 5425 WISCONSIN AVE SUITE 700 CHEVY CHASE, MD 20815 | $37K |
| MORGAN SMITH BARNEY EIN 26-4310844 NONE | Investment advisory (plan) Service code 27 | 1600 MARKET STREET PHILADELPHIA, PA 19103 | $25K |
| HAGGERT& HAGGERTY P A EIN 51-0255384 NONE | Accounting (including auditing) Service code 10 | 510 PHILADELPHIA PIKE WILMINGTON, DE 19809 | $15K |
| SIGMOND JENNINGS, P.C. EIN 23-2025670 NONE | Legal Service code 29 | THE PENN MUTUAL TOWERS 16TH FLR 510 WALNUT STREET PHILADELPHIA, PA 19106 | $7K |
| YOUNG CONNAWAY STARGATT & TAYLOR EIN 51-0082644 NONE | Legal Service code 29 | BRANDYWINE BUILDING 1000 WEST STREET 17TH FLR WILMINGTON, DE 19899 | $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 | 474 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 377 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COVENTRY HEALTH CARE OF DELAWARE | 1,468 | $7.3M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 786 | $145K |
| Prescription drug | BENISTAR | 449 | $879K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 786 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,468 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.