| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC0 | 3000 MIDLANTIC DR STE 101 MOUNT LAUREL, NJ 08054 | HUMANA INSURANCE COMPANY | $9K | — | $9K | 2.67% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: H. J. KNIGHT INTERNATIONAL INSURANC | 30 BRAINTREE HILL OFFICE PARK SUITE 203 BRAINTREE, MA 02184 | HCC LIFE INSURANCE COMPANY | $3K | — | $3K | 1.76% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: H. J. KNIGHT INTERNATIONAL INSURANC | 30 BRAINTREE HILL OFFICE PARK SUITE 203 BRAINTREE, MA 02184 | HCC LIFE INSURANCE COMPANY | $727 | — | $727 | 0.41% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | C/O ROBERT F. CALISE 2000 CHAPEL VIEW BLVD, SUITE 2 CRANSTON, RI 02920 | 5STAR LIFE INSURANCE COMPANY | $2K | — | $2K | 6.44% |
| H.J. KNIGHT INTERNATIONAL INSURANCE3 Filed as: H.J. KNIGHT INTERNATIONAL | 30 BRAINTREE HILL OFFICE PARK BRAINTREE, MA 02184 | 5STAR LIFE INSURANCE COMPANY | $1K | — | $1K | 4.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 NONE | Contract Administrator; Claims processing; Non-monetary compensation; Participant communication; Other services; Named fiduciary; Direct payment from the plan; Float revenue Service code 12 | — | $241K |
| SOUTHERN BENEFIT ADMINISTRATORS INC EIN 62-1116095 NONE | Consulting (general); Consulting (pension); Plan Administrator; Direct payment from the plan Service code 14 | — | $235K |
| NEEDLES & ASSOCIATES LLC EIN 51-0435869 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $28K |
| NEW SOUTH CAPITAL MANAGEMENT EIN 62-1237220 NONE | Direct payment from the plan; Investment management Service code 28 | — | $18K |
| GODWIN, MORRIS, LAURENZI & BLOOMFIE EIN 62-1371542 NONE | Legal; Direct payment from the plan Service code 29 | — | $15K |
| REGIONS BANK EIN 62-1164500 NONE | 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 | 504 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 105 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 609 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | 5STAR LIFE INSURANCE COMPANY | 6 | $28K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 609 | $176K |
| Other | 5STAR LIFE INSURANCE COMPANY | 6 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 609 | — |
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.