| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBER PIASSEK3 | 221 PAWNEE RD CRANFORD, NJ 07016 | AETNA LIFE INSURANCE COMPANY | $87K | $0 | $87K | 4.21% |
| ROBERT PIASSEK3 | 221 PAWNEE RD CRANFORD, NJ 07016 | STANDARD INSURANCE COMPANY | $17K | — | $17K | 6.23% |
| PIASSEK BENEFIT ADVISORS LLC3 | 822 SOUTH AVE WESTFIELD, NJ 07090 | DELTA DENTAL OF NJ, INC | $6K | — | $6K | 3.22% |
| ROBERT PIASSEK3 | 822 SOUTH AVE W WESTFIELD, NJ 07090 | VISION SERVICE PLAN | $882 | — | $882 | 6.43% |
| ROBERT PIASSEK3 | 221 PAWNEE RD CRANFORD, NJ 07016 | ALPHA DENTAL PROGRAM | $293 | — | $293 | 3.20% |
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 | 347 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 347 | $2.1M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NJ, INC | 145 | $181K |
| Vision | VISION SERVICE PLAN | 81 | $14K |
| Life insurance | STANDARD INSURANCE COMPANY | 259 | $267K |
| Short-term disability | STANDARD INSURANCE COMPANY | 259 | $267K |
| Long-term disability | STANDARD INSURANCE COMPANY | 259 | $267K |
| Prescription drug | UNITED HEALTH CARE INSURANCE COMPANY | 1 | $937 |
| Other | STANDARD INSURANCE COMPANY | 259 | $267K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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.