| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY WOOD ASSOCIATES, INC.3 | 2 AQUARIUM LOOP DRIVE 2ND FL CAMDEN, NJ 08101 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.26% |
| BORELLA, MATTHEW, LUKE3 | 700 KINDERAMACK ROAD STE 205 ORADELL, NJ 07675 | FIRST UNUM LIFE INSURANCE COMPANY | $297 | $0 | $297 | 2.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 85 CHESTNUT RIDGE ROAD STE 214 MONTVALE, NJ 07645 | FIRST UNUM LIFE INSURANCE COMPANY | $259 | $0 | $259 | 1.96% |
| GARY WOOD ASSOCIATES, INC.3 | 2 AQUARIUM LOOP DRIVE 2ND FL CAMDEN, NJ 08101 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.06% |
| GARY WOOD ASSOCIATES, INC.3 | 2 AQUARIUM LOOP DRIVE 2ND FL CAMDEN, NJ 08101 | FIRST UNUM LIFE INSURANCE COMPANY | $908 | $0 | $908 | 7.90% |
| GARY WOOD ASSOCIATES, INC.3 | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | EYEMED | $900 | $0 | $900 | 10.20% |
| BORELLA, MATTHEW, LUKE3 | 700 KINDERKAMACK ROAD STE 205 ORADELL, NJ 07675 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 1.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 85 CHESTNUT RIDGE RD STE 214 MONTVALE, NJ 07645 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.76% |
| WILLIAM RESNICK3 | 85 CHESTNUT RIDGE RD STE 214 MONTVALE, NJ 07645 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLNET EIN 90-0135021 NONE | Other commissions; Insurance brokerage commissions and fees Service code 53 | — | $71K |
| GARY WOOOD ASSOCIATES, INC. NONE | Insurance brokerage commissions and fees; Other commissions Service code 53 | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | $48K |
| DELTA DENTAL EIN 11-1980218 NONE | Contract Administrator; Claims processing Service code 12 | — | $4K |
| EMPIRX HEALTH NONE | Claims processing; Contract Administrator Service code 12 | 155 CHESTNUT RIDGE ROAD MONTVALE, NJ 07645 | $4K |
| BENEFIT RESOURCE, INC. NONE | Contract Administrator; Claims processing Service code 12 | 245 KENNETH DRIVE ROCHESTER, NY 146234277 | $2K |
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 | 90 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 90 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GERBER LIFE INSURANCE COMPANY | 77 | $187K |
| Vision | EYEMED | 147 | $9K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 110 | $53K |
| Short-term disability(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 44 | $27K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 110 | $53K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 77 | $187K |
| Other(4 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 110 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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."
No prospect flags tripped on this filing.