| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSSITER INSURANCE AGENCY3 | 22 KELLOGG ST OYSTER BAY, NY 11771 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 1.71% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 2338 IMMOKALEE ROAD NAPLES, FL 34110 | DELTA DENTAL OF NEW JERSEY | $8K | — | $8K | 5.00% |
| JEFFERY ASHEAR3 Filed as: JEFFERY M ASHEAR | PO BOX 385 DEAL, NJ 07723 | DELTA DENTAL OF NEW JERSEY | $3K | — | $3K | 1.74% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1800 ROUTE 34 BLDG 4 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 7.09% |
| ROSSITER INSURANCE AGENCY3 | 22 KELLOGG STREET OYSTER BAY, NY 11771 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 3.73% |
| JEFFREY ASHEAR3 Filed as: JEFFREY M ASHEAR | PO BOX 385 DEAL, NJ 07723 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 3.73% |
| ROSSITER INSURANCE AGENCY3 | 17 LUMBER ROAD ROSLYN, NY 11576 | VISION SERVICE PLAN | $488 | — | $488 | 3.87% |
| ROSSITER INSURANCE AGENCY3 | 17 LUMBER ROAD ROSLYN, NY 11576 | ALPHA DENTAL POGRAMS INC. | $37 | — | $37 | 1.52% |
| JEFFERY ASHEAR3 Filed as: JEFFERY M ASHEAR | POBOX385 DEAL, NJ 07723 | ALPHA DENTAL POGRAMS INC. | $37 | — | $37 | 1.52% |
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 | 226 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUN LIFE ASSURANCE COMPANY OF CANADA | 12 | $331K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY | 226 | $158K |
| Vision | VISION SERVICE PLAN | 65 | $13K |
| Long-term disability | STANDARD INSURANCE COMPANY | 146 | $151K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 6 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.