| 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 | 2.17% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 30 BRAINTREE HILL OFFICE PARK SUITE 203 BRAINTREE, MA 02184 | HCC LIFE INSURANCE COMPANY | $9K | — | $9K | 5.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 931 JEFFERSON BLVD SUITE 3001 WARWICK, RI 02886 | HCC LIFE INSURANCE COMPANY | $4K | — | $4K | 2.38% |
| 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 | $3K | — | $3K | 11.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 NONE | Other services; Float revenue; Direct payment from the plan; Contract Administrator; Participant communication; Named fiduciary; Claims processing; Non-monetary compensation Service code 12 | — | $238K |
| SOUTHERN BENEFIT ADMIN EIN 62-1116095 NONE | Plan Administrator; Consulting (pension); Consulting (general); Direct payment from the plan Service code 14 | — | $230K |
| NOVARA TESIJA & CATENACCI, PLLC NONE | Legal; Direct payment from the plan Service code 29 | 888 W BIG BEAVER RD STE 600 TROY, MI 48084 | $99K |
| LABOR FIRST EIN 39-1263473 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $73K |
| NEEDLES & ASSOCIATES LLC EIN 51-0435869 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $31K |
| NEW SOUTH CAPITAL MANAGEMENT EIN 62-1237220 NONE | Investment management; Direct payment from the plan Service code 28 | — | $16K |
| UNITED ACTUARIAL SERVICES, INC NONE | Actuarial Service code 11 | 11590 NORTH MERIDAN STREET SUITE 610 CARMEL, IN 46032 | $5K |
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 | 481 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 112 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 593 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | 5STAR LIFE INSURANCE COMPANY | 1,217 | $26K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 593 | $174K |
| Other | 5STAR LIFE INSURANCE COMPANY | 1,217 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,217 | — |
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."
No prospect flags tripped on this filing.