| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | INC 190 RIVER RD SUMMIT, NJ 07901 | DELTA DENTAL OF NJ, INC. | $6K | — | $6K | 3.14% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 1086 TEANECK RD 5TH FLOOR TEANECK, NJ 07666 | DELTA DENTAL OF NJ, INC. | $581 | — | $581 | 0.33% |
| EMERSON REID LLC3 | 1305 WALT WHITMON RD SUITE 310 MELVILLE, NY 11747 | HARTFORD LIFE AND ACCIDENT | $6K | $4K | $10K | 12.87% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 470 PARK AVE S FLOOR 6 NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 5.54% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 SOUTH 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | OXFORD HEALTH INSURANCE, INC. | $1K | — | $1K | 3.56% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | PO BOX 62939 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $75 | $1K | 10.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 85 CHESTNUT RIDGE RD STE 214 MONTVALE, NJ 07645 | VISION SERVICE PLAN | $701 | — | $701 | 7.78% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | PO BOX 62939 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $105 | $8 | $113 | 9.59% |
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 | 185 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 2 | $30K |
| Dental | DELTA DENTAL OF NJ, INC. | 193 | $175K |
| Vision | VISION SERVICE PLAN | 100 | $9K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 185 | $74K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 42 | $11K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 185 | $74K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 185 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.