| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC3 Filed as: LABOR-FIRST LLC | 1000 MIDLANTIC DRIVE #100 MOUNT LAUREL, NJ 08054 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 1.73% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF OKLAHOMA EIN 36-1236610 NONE | Direct payment from the plan; Claims processing; Other insurance fees and expenses; Recordkeeping fees Service code 12 | — | $178K |
| IMA, INC. EIN 48-0805634 NONE | Direct payment from the plan; Consulting fees; Consulting (general) Service code 16 | — | $54K |
| JERRY ENDSLEY, CPA NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing); Direct payment from the plan; Contract Administrator Service code 10 | 1863 N 105TH E AVE TULSA, OK 74116 | $46K |
| SHEET METAL WORKERS' LOCAL 270 EIN 73-0490789 RELATED PARTY | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator Service code 14 | — | $44K |
| ROYLE VAZQUEZ LLP EIN 92-1092242 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $16K |
| MERRILL LYNCH EIN 13-5674085 NONE | Investment advisory (plan); Investment management; Direct payment from the plan Service code 27 | — | $11K |
| 98POINT6 NONE | Direct payment from the plan; Other fees Service code 50 | 701 5TH AVE 2500 SEATTLE, WA 98104 | $8K |
| RXBENEFITS, INC. EIN 63-1157085 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $7K |
| INTEGRA WELLNESS NONE | Direct payment from the plan; Other services Service code 49 | 4386 BARCHETTA DR ROUND ROCK, TX 78665 | $5K |
| MED-LABS, LLC DBA PICMED WELLNESS EIN 26-3126651 NONE | Direct payment from the plan; Other services Service code 49 | — | $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 | 613 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 631 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 621 | $159K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 453 | $11K |
| Prescription drug | HUMANA INSURANCE COMPANY | 16 | $58K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF OKLAHOMA | 611 | $549K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 453 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 621 | — |
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.