| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DCBP HOLDINGS, INC.3 | 570 W MOUNT PLEASANT AVE. LIVINGSTON, NJ 070391619 | PRINCIPAL LIFE INSURANCE COMPANY | $31K | $12K | $44K | 7.94% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. HAUPPAUGE, NY 11788 | PRINCIPAL LIFE INSURANCE COMPANY | — | $20K | $20K | 3.69% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1500 QUAIL STREET STE 570 NEWPORT BEACH, CA 92660 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 0.58% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1460 US HIGHWAY 9 NORTH STE 200 WOODBRIDGE, NJ 07095 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 0.48% |
| MARK MANTAY3 | 10 MADISON AVENUE SUITE 301 MORRISTOWN, NJ 07960 | NORTHWESTERN MUTUAL | $5K | $1K | $6K | 12.59% |
| HOLLERAN FINANCIAL GROUP, LLC3 | 10 MADISON AVENUE, STE 301 MORRISTOWN, NJ 07960 | NORTHWESTERN MUTUAL | $1K | $122 | $1K | 2.25% |
| MARK MANTAY3 | 10 MADISON AVENUE SUITE 301 MORRISTOWN, NJ 07960 | NORTHWESTERN MUTUAL | $3K | $695 | $3K | 9.01% |
| HOLLERAN FINANCIAL GROUP, LLC3 | 10 MADISON AVE. STE 301 MORRISTOWN, NJ 07960 | NORTHWESTERN MUTUAL | $551 | $66 | $617 | 1.61% |
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 | 602 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 624 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 1,130 | $549K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 1,130 | $549K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,130 | $549K |
| Short-term disability | NORTHWESTERN MUTUAL | 182 | $38K |
| Long-term disability | NORTHWESTERN MUTUAL | 182 | $50K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | 460 | $318K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,130 | — |
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.