| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC3 Filed as: LABOR-FIRST, LLC | 1000 MIDLANTIC DRIVE, STE 100 MOUNT LAUREL, NJ 080541511 | HUMANA INSURANCE COMPANY | $10K | — | $10K | 2.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON PARTNERS | 1 W. PENNSYLVANIA AVE. TOWSON, MD 21204 | THE UNION LABOR LIFE INSURANCE COMPANY | $12K | — | $12K | 10.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON PARTNERS | 36 S. CHARLES ST., STE 1000 BALTIMORE, MD 21201 | SYMETRA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 9.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENESYS, INC. EIN 53-0257019 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $240K |
| LABOR FIRST, LLC EIN 06-1750191 NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $69K |
| CERES PARTNERS LLC EIN 26-4771307 NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | — | $45K |
| AMERICAN HEALTH HOLDING INC EIN 31-1368946 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $44K |
| CAREFIRST OF MARYLAND, INC. EIN 52-1385894 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $38K |
| BOLTON PARTNERS, INC. EIN 52-1231144 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $24K |
| NCAS PAYMENT ADMINISTRATOR NONE | Claims processing; Direct payment from the plan Service code 12 | 1501 S. CLINTON ST., 7TH FLOOR BALTIMORE, MD 21224 | $24K |
| MOONEY, GREEN SAINDON, MURPHY EIN 52-1958229 NONE | Legal; Employee (plan) Service code 29 | — | $23K |
| NOVAK FRANCELLA, LLC EIN 61-1436956 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $20K |
| TA REALTY, LLC EIN 04-3341880 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $11K |
| DAHAB ASSOCIATES EIN 11-2783874 NONE | Direct payment from the plan; Consulting (pension) Service code 17 | — | $7K |
| BANK OF LABOR EIN 48-0150325 NONE | Custodial (securities); Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $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 | 517 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 90 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 33 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 640 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 647 | $40K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 496 | $118K |
| Other(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 647 | $720K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 647 | — |
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.