| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW JERSEY, INC. | 56 LIVINGSTON AVENUE, SUITE 230 ROSELAND, NJ 07068 | USABLE LIFE | $15K | $0 | $15K | 5.15% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | $0 | $15K | $15K | 5.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW JERSEY, INC. | 56 LIVINGSTON AVENUE, SUITE 230 ROSELAND, NJ 07068 | DELTA DENTAL OF NEW JERSEY, INC. | $6K | $0 | $6K | 2.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF GEORGIA, INC. | PO BOX 746540 ATLANTA, GA 30374 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.09% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS, INC. | 700 KINDERKAMACK ROAD, SUITE 205 ORADELL, NJ 07675 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $98 | $3K | 7.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW JERSEY, INC. | 56 LIVINGSTON AVENUE ROSELAND, NJ 07068 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 7.56% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS, INC. | 700 KINDERKAMACK ROAD, SUITE 205 ORADELL, NJ 07675 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $560 | $14 | $574 | 5.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW JERSEY, INC. | 56 LIVINGSTON AVENUE ROSELAND, NJ 07068 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $560 | $0 | $560 | 4.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW JERSEY, INC. | 56 LIVINGSTON AVENUE, SUITE 230 ROSELAND, NJ 07068 | ALPHA DENTAL PROGRAMS, INC. | $205 | $0 | $205 | 2.92% |
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 | 508 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 508 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 559 | $259K |
| Vision | VISION SERVICE PLAN | 266 | $43K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 508 | $331K |
| Short-term disability(2 contracts, 2 carriers) | USABLE LIFE | 508 | $331K |
| Long-term disability | USABLE LIFE | 508 | $298K |
| Other(3 contracts, 3 carriers) | USABLE LIFE | 508 | $343K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 559 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.