| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSSITER INSURANCE AGENCY3 | 17 LUMBER ROAD ROSLYN, NY 11576 | DELTA DENTAL OF NEW JERSEY INC. | $3K | — | $3K | 1.67% |
| JEFFREY ASHEAR3 Filed as: JEFFREY M. ASHEAR | PO BOX 385 DEAL, NJ 07723 | DELTA DENTAL OF NEW JERSEY INC. | $3K | — | $3K | 1.67% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN | 1800 ROUTE 34 BLDNG 4 #404A WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 7.58% |
| ROSSITER INSURANCE AGENCY3 | 22 KELLOGG STREET OYSTER BAY, NY 11771 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 2.80% |
| JEFFERY ASHEAR3 Filed as: JEFFERY M ASHEAR | PO BOX 385 DEAL, NJ 07723 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 2.80% |
| JEFFREY ASHEAR3 | PO BOX 385 DEAL, NJ 07723 | VISION SERVICE PLAN | $460 | — | $460 | 3.12% |
| ROSSITER INSURANCE AGENCY3 | 17 LUMBER ROAD ROSLYN, NY 11576 | VISION SERVICE PLAN | $460 | — | $460 | 3.12% |
| JEFFREY ASHEAR3 | PO BOX 385 DEAL, NJ 07723 | ALPHA DENTAL PROGRAMS INC. | $79 | — | $79 | 1.51% |
| ROSSITER INSURANCE AGENCY3 | 22 KELLOG STREET OYSTER, NY 11771 | ALPHA DENTAL PROGRAMS INC. | $79 | — | $79 | 1.51% |
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 | 299 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUN LIFE ASSURANCE COMPANY OF CANADA | 145 | $445K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY INC. | 299 | $178K |
| Vision | VISION SERVICE PLAN | 82 | $15K |
| Life insurance | STANDARD INSURANCE COMPANY | 240 | $162K |
| Long-term disability | STANDARD INSURANCE COMPANY | 240 | $162K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 4 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.