| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BORDEN PERLMAN INS AGCY INC3 | 2000 LENOX DRIVE SUITE 202 LAWRENCEVILLE, NJ 08648 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 4.17% |
| BORDEN PERLMAN INS AGCY INC3 | 2000 LENOX DRIVE SUITE 202 LAWRENCEVILLE, NJ 08648 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $706 | — | $706 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES EIN 22-0999690 NONE | Contract Administrator Service code 13 | — | $414K |
| LARRY SCHLEYER EIN 13-1931288 SERVICES RELATED PLAN | Plan Administrator Service code 14 | — | $136K |
| KRISTI FENNELL EIN 13-9311288 SERVICES RELATED PLAN | Employee (plan) Service code 30 | — | $94K |
| MERRILL LYNCH, PIERCE, PENNER & SMI EIN 13-5674085 NONE | Float revenue; Sub-transfer agency fees; Securities brokerage commissions and fees; Investment management fees paid indirectly by plan; Investment management fees paid directly by plan Service code 51 | — | $85K |
| SYNTONICS EIN 13-2925049 SERVICES RELATED PLAN | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $63K |
| MEGHAN BRODOWSKI EIN 13-1931288 SERVICES RELATED PLAN | Employee (plan) Service code 30 | — | $61K |
| MARYANN GUARRACI EIN 13-1931288 SERVICES RELATED PLAN | Employee (plan) Service code 30 | — | $51K |
| MULTIPLAN, INC. EIN 04-3138814 NONE | Claims processing Service code 12 | — | $49K |
| COHEN, WEISS & SIMON LLP EIN 13-1592323 SERVICES RELATED PLAN | Legal Service code 29 | — | $48K |
| PO NEROD EIN 13-1931288 SERVICES RELATED PLAN | Employee (plan) Service code 30 | — | $46K |
| ROBIN LANDINO EIN 13-9311288 SERVICES RELATED PLAN | Employee (plan) Service code 30 | — | $42K |
| BUCHBINDER TUNICK AND COMPANY LLP EIN 13-1578842 SERVICES RELATED PLAN | Accounting (including auditing) Service code 10 | — | $33K |
| DELTA DENTAL OF NJ, INC. EIN 22-1896118 NONE | Claims processing Service code 12 | — | $24K |
| ASTRID EDMOND SERVICES RELATED PLAN | Employee (plan) Service code 30 | — | $20K |
| ILANIT BERO SERVICES RELATED PLAN | Employee (plan) Service code 30 | — | $20K |
| OSULLIVAN ASSOCIATES EIN 20-8199367 NONE | Actuarial Service code 11 | — | $16K |
| RAC SYSTEMS CORPORATION EIN 22-3009792 SERVICES RELATED PLAN | Consulting (general) Service code 16 | — | $13K |
| ANTONIA OSORIO EIN 13-1931288 SERVICES RELATED PLAN | Employee (plan) Service code 30 | — | $10K |
| INVESTMENT CONSULTING SERVICES, LLC EIN 32-0016703 NONE | Investment advisory (plan) Service code 27 | — | $8K |
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 | 1,085 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 284 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,369 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NJ, INC | 1,124 | $422K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,340 | $95K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,055 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,340 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.