| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDY SCHWARTZ3 | 100 PASSAIC AVE SUITE 300 FAIRFIELD, NJ 07004 | SUN LIFE AND HEALTH INSURANCE COMPANY | $26K | — | $26K | 6.61% |
| BRIAN ALLAIN3 | 250 PEHLE AVE SUITE 405 SADDLE BROOK, NJ 07663 | SUN LIFE AND HEALTH INSURANCE COMPANY | $13K | $4K | $17K | 4.47% |
| KEYARX CAPITAL ADVISORS3 | 732 NEWMAN SPRINGS ROAD 2ND FLOOR LINCROFT, NJ 07738 | SUN LIFE AND HEALTH INSURANCE COMPANY | $13K | — | $13K | 3.37% |
| PAUL CELLA3 | 732 NEWMAN SPRINGS ROAD 2ND FLOOR LINCROFT, NJ 07738 | SUN LIFE AND HEALTH INSURANCE COMPANY | $3K | — | $3K | 0.80% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP | 200 EAST PARK DRIVE SUITE 600 MT. LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | — | $59 | $59 | 0.03% |
| BRUCE R PETRIE3 | 570 W MOUNT PLEASANT AVE SUITE 104 LIVINGSTON, NJ 07039 | NORTHWESTERN MUTUAL | $4K | $901 | $5K | 9.43% |
| NM MORRISTOWN NJ3 | 10 MADISON AVE SUITE 3 MORRISTOWN, NJ 07960 | NORTHWESTERN MUTUAL | $894 | $79 | $973 | 1.91% |
| ANDY SCHWARTZ3 | 100 PASSAIC AVE SUITE 300 FAIRFIELD, NJ 07004 | NORTHWESTERN MUTUAL | $185 | $43 | $228 | 0.45% |
| JOHN D. COONEY3 Filed as: JOHN D COONEY | 100 PASSAIC AVENUE SUITE 300 FAIRFIELD, NJ 07004 | NORTHWESTERN MUTUAL | $31 | $7 | $38 | 0.07% |
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 | 1,738 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,764 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 1,194 | $196K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 1,738 | $389K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 1,738 | $440K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY | 1,738 | $389K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,738 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.