| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEBS - THE OLSON FINANCIAL GROUP, L3 Filed as: SEBS THE OLSON FINAN GROUP | 10 MADISON AVENUE PO BOX 1952 MORRISTOWN, NJ 07960 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | $20K | $31K | 5.87% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $31K | $31K | 5.74% |
| CAMPBELL PETRIE, INC.3 | 570 W MOUNT PLEASANT AVE. SUITE 104 LIVINGSTON, NJ 070391619 | PRINCIPAL LIFE INSURANCE COMPANY | $19K | $6K | $25K | 4.71% |
| CORESOURCE, INC.3 | 1280 NORTH PLUM STREET LANCASTER, PA 17601 | HCC LIFE INSURANCE COMPANY | $7K | — | $7K | 2.00% |
| BRUCE PETRIE3 | 570 W MOUNT PLEASANT AVENUE SUITE 104 LIVINGSTON, NJ 07039 | NORTHWESTERN MUTUAL | $1K | $326 | $2K | 3.64% |
| DANIEL CAMPBELL3 | 570 W MOUNT PLEASANT AVENUE SUITE 104 LIVINGSTON, NJ 07039 | NORTHWESTERN MUTUAL | $1K | $326 | $2K | 3.64% |
| NM MORRISTOWN NJ3 | 10 MADISON AVENUE, STE 3 MORRISTOWN, NJ 07960 | NORTHWESTERN MUTUAL | $700 | $62 | $762 | 1.60% |
| ANDY SCHWARTZ3 Filed as: ANDY M SCHWARTZ | 100 PASSAIC AVENUE, STE 300 FAIRFIELD, NJ 070043508 | NORTHWESTERN MUTUAL | $498 | $115 | $613 | 1.29% |
| JOHN D. COONEY3 | 100 PASSAIC AVENUE SUITE 300 FAIRFIELD, NJ 07004 | NORTHWESTERN MUTUAL | $83 | $20 | $103 | 0.22% |
| BRUCE PETRIE3 | 570 W MOUNT PLEASANT AVENUE SUITE 104 LIVINGSTON, NJ 07039 | NORTHWESTERN MUTUAL | $881 | $203 | $1K | 2.28% |
| DANIEL CAMPBELL3 | 570 W MOUNT PLEASANT AVENUE SUITE 104 LIVINGSTON, NJ 07039 | NORTHWESTERN MUTUAL | $881 | $203 | $1K | 2.28% |
| NM MORRISTOWN NJ3 | 10 MADISON AVENUE SUITE 3 MORRISTOWN, NJ 07960 | NORTHWESTERN MUTUAL | $402 | $35 | $437 | 0.92% |
| ANDY SCHWARTZ3 | 100 PASSAIC AVENUE, STE 300 FAIRFIELD, NJ 07004 | NORTHWESTERN MUTUAL | $280 | $65 | $345 | 0.73% |
| JOHN D. COONEY3 | 100 PASSAIC AVENUE STE 300 FAIRFIELD, NJ 07004 | NORTHWESTERN MUTUAL | $47 | $11 | $58 | 0.12% |
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 | 469 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 485 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 964 | $535K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 964 | $535K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 964 | $535K |
| Short-term disability | NORTHWESTERN MUTUAL | 0 | $48K |
| Long-term disability | NORTHWESTERN MUTUAL | 0 | $48K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 463 | $354K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 964 | — |
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.