See the carriers, broker commissions and premiums for this plan.
It also shows filing history and funding margin. Your first month is $4.99.
See 3 contract rows with premium, retention and renewal dates. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
See commissions and fees for 6 broker rows. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MSPC CERTIFIED PUBLIC ACCOUNTANTS EIN 22-2951202 ACCOUNTANT | Direct payment from the plan; Accounting (including auditing) Service code 10 | 340 NORTH AVENUE EAST CRANFORD, NJ 07016 | $20K |
| BUNKER HILL INSURANCE & CONSULTING EIN 90-0781224 ADMINISTRATOR | Direct payment from the plan; Contract Administrator Service code 13 | 136 MISSION WAY BARNEGAT, NJ 08005 | $19K |
| ORANSKY, SCARAGGI & BORG, P.C. EIN 22-3522685 LEGAL | Legal; Direct payment from the plan Service code 29 | 175 FAIRFIELD AVE, SUITE 1A WEST CALDWELL, NJ 07006 | $12K |
| MERRILL LYNCH, PIERCE, FENNER & SMI EIN 13-5674085 NONE | Custodial (securities); Investment management fees paid directly by plan Service code 19 | 1500 AMERICAN BLVD PENNINGTON, NJ 08534 | $12K |
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 | 237 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 265 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.