| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | DELTA DENTAL OF NEW JERSEY, INC. | $24K | $0 | $24K | 5.85% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 3.80% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 22411 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.39% |
| TIMOTHY MCANDREWS3 | 5483 MARINE AVENUE LAWNDALE, CA 90260 | AFLAC | $3K | $59 | $3K | 6.28% |
| KRISTEN N. POLLOCK3 | 16 BROAD STREET, SUITE 5 WASHINGTON, NJ 07882 | AFLAC | $3K | $0 | $3K | 5.19% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA PAUL GROUP INC. | 17 OAK LANE RANDOLPH, NJ 07869 | AFLAC | $723 | $29 | $752 | 1.52% |
| KIRSIS EUNICE MCANDREWS3 | 5483 MARINE AVENUE LAWNDALE, CA 90260 | AFLAC | $405 | $67 | $472 | 0.95% |
| DANIEL A VERDUN3 Filed as: DANIEL A. VERDUN AND OTHER AGENTS | 43 HANCOCK DRIVE MORRISTOWN, NJ 07960 | AFLAC | $456 | $0 | $456 | 0.92% |
| AFFINITY FINANCIAL SERVICES, LLC3 | 73 MOUNTAINVIEW BOULEVARD BASKIN RIDGE, NJ 07920 | AFLAC | $246 | $0 | $246 | 0.50% |
| MICHAEL A FORNARO3 Filed as: MICHAEL A. FORNARO | 271 US HIGHWAY 46, SUITE H119 FAIRFIELD, NJ 07960 | AFLAC | $148 | $0 | $148 | 0.30% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 445 S STREET MORRISTOWN, NJ 79600 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 13.70% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 22411 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $716 | $0 | $716 | 3.57% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $316 | $0 | $316 | 1.57% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1787 SENTRY PARKWAY, SUITE 320 BLUE BELL, PA 19422 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 445 S STREET MORRISTOWN, NJ 79600 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | $0 | $2K | 13.12% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1787 SENTRY PARKWAY, SUITE 320 BLUE BELL, PA 19422 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $347 | $0 | $347 | 2.01% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 22411 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $244 | $0 | $244 | 1.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TEXAS HIGHWAY AUSTIN, TX 78746 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $58 | $58 | 0.34% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | ARAG INSURANCE COMPANY | $708 | $0 | $708 | 10.00% |
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 | 507 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 54 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 561 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 980 | $467K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 467 | $105K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 507 | $307K |
| Short-term disability | AFLAC | 46 | $49K |
| Long-term disability(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 507 | $295K |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 507 | $323K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 980 | — |
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.