| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF NEW JERSEY, INC. | 150 JOHN F KENNEDY PKWY, SUITE 520 SHORT HILLS, NJ 07078 | DELTA DENTAL OF NEW JERSEY, INC. | $4K | — | $4K | 4.22% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF NEW JERSEY, INC | PO BOX 416315 BOSTON, MA 02241 | VISION SERVICE PLAN | $711 | — | $711 | 7.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC | PO BOX 5002 SHORT HILLS, NJ 07078 | HARTFORD LIFE AND ACCIDENT | $7K | $583 | $7K | — |
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 | 377 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 214 | $105K |
| Vision | VISION SERVICE PLAN | 71 | $9K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 348 | $0 |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 348 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 348 | — |
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.