| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROCKVILLE BENEFIT ADVISOR3 Filed as: ROCKVILLE BENEFIT ADVISORS, LLC | 1548 KEW AVE HEWLETT, NJ 11557 | UNITEDHEALTHCARE INSURANCE COMPANY | $34K | — | $34K | 3.75% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 0.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES | ROUND TABLE STUDIOS 200 CONNELL DR SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 0.22% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS | 1787 SENTRY PARKWAY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $2K | $5K | 8.51% |
| ROCKVILLE BENEFIT ADVISOR3 Filed as: ROCKVILLE BENEFIT ADVISORS LLC | 1548 KEW AVE HEWLETT, NY 11557 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 5.97% |
| ROCKVILLE BENEFIT ADVISOR3 Filed as: ROCKVILLE BENEFIT ADVISORS LLC | 1548 KEW AVE HEWLETT, NY 11557 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 13.32% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC NJ NY | 1787 SENTRY PARKWAY W EVA 16 SUITE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
No Schedule C service providers reported on this filing.
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 758 | $911K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 106 | $61K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 106 | $61K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 130 | $21K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 130 | $21K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 130 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 758 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.