| 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 | $267K | — | $267K | 3.68% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFITS GROUP LLC | PO BOX 480 ROSELAND, NJ 07068 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | — | $28K | 5.18% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFITS GROUP LLC | 245 SOUTH ST STE 1 MORRISTOWN, NJ 07960 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | — | $18K | 5.85% |
| CONNER STRONG & BUCKELEW3 | P.O. BOX 99106 CAMDEN, NJ 08101 | ARMADA ADMINISTRATORS LLC | $1K | — | $1K | 0.73% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFITS GROUP LLC | PO BOX 480 ROSELAND, NJ 07068 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 7.87% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT GROUP | 245 SOUTH STREET MORRISTOWN, NJ 07960 | METLIFE LEGAL PLANS | $527 | — | $527 | 9.80% |
| 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 | PO BOX 1515 LIVINGSTON, NJ 07039 | 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 | 688 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 692 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 954 | $7.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 985 | $534K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 985 | $534K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 688 | $311K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 688 | $311K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 688 | $311K |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 688 | $393K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 985 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.