| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC3 Filed as: LABOR-FIRST LLC | 1000 MIDLANTIC DRIVE SUITE 100 MOUNT LAUREL, NJ 080541511 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 2.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF OKLAHOMA EIN 36-1236610 NONE | Recordkeeping fees; Other fees; Claims processing; Direct payment from the plan Service code 12 | — | $146K |
| IMA, INC. EIN 20-2557329 NONE | Consulting fees; Direct payment from the plan; Actuarial Service code 11 | — | $50K |
| JERRY ENDSLEY, CPA NONE | Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Contract Administrator Service code 10 | 4703 SOUTH 177TH EAST PLACE TULSA, OK 74134 | $39K |
| NEEDLES & ASSOCIATES, LLC EIN 51-0435869 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $31K |
| SHARON BAKER NONE | Direct payment from the plan; Consulting (general) Service code 16 | 1863 NORTH 105TH EAST AVENUE TULSA, OK 74116 | $16K |
| UBS FINANCIAL SERVICES INC. EIN 13-2638166 NONE | Direct payment from the plan; Securities brokerage commissions and fees; Account maintenance fees; Distribution (12b-1) fees; Investment advisory (plan); Other fees Service code 27 | — | $11K |
| MERRILL LYNCH EIN 13-5674085 NONE | Custodial (securities); Investment management; Investment advisory (plan); Direct payment from the plan Service code 19 | — | $9K |
| MONAGHAN & ASSOCIATES, PC EIN 73-1462892 NONE | Legal; Direct payment from the plan Service code 29 | — | $7K |
| RXBENEFITS EIN 63-1157085 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $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 | 596 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 624 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 20 | $42K |
| Dental | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 566 | $143K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 201 | $13K |
| Stop-loss / reinsurancereinsurance | HEALTH CARE SERVICE CORP | 558 | $419K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 201 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 566 | — |
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.