| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: STRATEGIC BENEFITS GROUP LLC | PO BOX 480 ROSELAND, NJ 07068 | UNITEDHEALTHCARE INSURANCE COMPANY | $253K | — | $253K | 4.35% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFITS GROUP LLC | PO BOX 480 ROSELAND, NJ 07068 | UNITEDHEALTHCARE INSURANCE COMPANY | $253K | — | $253K | 4.35% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFITS GROUP LLC | PO BOX 480 ROSELAND, NJ 07068 | UNITEDHEALTHCARE INSURANCE COMPANY | $29K | — | $29K | 5.55% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFITS GROUP LLC | 245 SOUTH ST STE 1 MORRISTOWN, NJ 07960 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | — | $19K | 5.91% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT GROUP | 245 SOUTH STREET MORRISTOWN, NJ 07960 | METLIFE LEGAL PLANS | $448 | — | $448 | 10.06% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG & BUCKELEW COMPANIES | 2 COOPER STREET CAMDEN, NJ 08102 | NATIONAL UNION FIRE INSURANCE CO. OF PITTSBURGH PA | $607 | — | $607 | 15.00% |
| BRIAN BUSHWELL3 | 120 EAGLE ROCK AVENUE SUITE 303 EAST HANOVER, NJ 07936 | DELAWARE AMERICAN LIFE INSURANCE | $225 | — | $225 | 15.00% |
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 | 719 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 734 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,039 | $11.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,053 | $520K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,053 | $520K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 719 | $313K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 719 | $313K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 719 | $313K |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 719 | $381K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,053 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.