| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOLLINGER INC3 | PO BOX 390 SHORT HILLS, NJ 07078 | OXFORD HEALTH INSURANCE INC | $7K | $4K | $10K | 0.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC.(NJ) | 2850 GULF ROAD, 4TH FLOOR ROLLING MEADOWS, IL 60008 | OXFORD HEALTH INSURANCE INC | $10K | — | $10K | 0.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GULF ROAD, 4TH FLOOR ROLLING MEADOWS, IL 60008 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $3K | $1K | $4K | 5.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC.(NJ) | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $2K | — | $2K | 3.29% |
| BOLLINGER INC3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $2K | — | $2K | 2.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC.(NJ) | 2850 GULF ROAD, 4TH FLOOR ROLLING MEADOWS, IL 600084050 | UNITEDHEALTHCARE INSURANCE COMPANY | $303 | — | $303 | 6.50% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW JERSEY | 354 EISENHOWER PKWY SUITE 2850 LIVINGSTON, NJ 070391022 | UNITEDHEALTHCARE INSURANCE COMPANY | $233 | — | $233 | 5.00% |
| BOLLINGER INC3 | 200 JEFFERSON PARK WHIPPANY, NJ 079811069 | UNITEDHEALTHCARE INSURANCE COMPANY | $163 | — | $163 | 3.50% |
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 | 129 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE INC | 129 | $1.1M |
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 110 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.