| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DCBP HOLDINGS, INC.3 | 570 W MOUNT PLEASANT AVENUE SUITE 104 LIVINGSTON, NJ 070391619 | PRINCIPAL LIFE INSURANCE COMPANY | $39K | $8K | $47K | 7.38% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. SUITE 200 HAUPPAUGE, NY 11788 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $23K | $23K | 3.57% |
| MARK MANTAY3 | 10 MADISON AVENUE SUITE 301 MORRISTOWN, NJ 07960 | NORTHWESTERN MUTUAL | $4K | $977 | $5K | 10.06% |
| NM MORRISTOWN NJ3 Filed as: NM MORRISTOWN LLC | 10 MADISON AVENUE, STE 301 MORRISTOWN, NJ 07960 | NORTHWESTERN MUTUAL | $830 | $100 | $930 | 1.93% |
| DANIEL CAMPBELL3 | 570 W MOUNT PLEASANT AVENUE SUITE 104 LIVINGSTON, NJ 07039 | NORTHWESTERN MUTUAL | $271 | $68 | $339 | 0.70% |
| MARK MANTAY3 | 10 MADISON AVENUE SUITE 301 MORRISTOWN, NJ 07960 | NORTHWESTERN MUTUAL | $2K | $566 | $3K | 7.70% |
| NM MORRISTOWN NJ3 Filed as: NM MORRISTOWN LLC | 10 MADISON AVENUE SUITE 301 MORRISTOWN, NJ 07960 | NORTHWESTERN MUTUAL | $471 | $56 | $527 | 1.44% |
| DANIEL CAMPBELL3 | 570 W MOUNT PLEASANT AVENUE SUITE 104 LIVINGSTON, NJ 07039 | NORTHWESTERN MUTUAL | $107 | $27 | $134 | 0.37% |
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 | 484 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 490 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 1,003 | $636K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 1,003 | $636K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,003 | $636K |
| Short-term disability | NORTHWESTERN MUTUAL | 188 | $37K |
| Long-term disability | NORTHWESTERN MUTUAL | 188 | $48K |
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | 451 | $280K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,003 | — |
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."
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.