| 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 | $251K | — | $251K | 4.00% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFITS GROUP LLC | PO BOX 480 ROSELAND, NJ 07068 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | — | $26K | 6.04% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFITS GROUP LLC | 245 SOUTH ST STE 1 MORRISTOWN, NJ 07960 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | — | $19K | 5.69% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFITS GROUP LLC | PO BOX 480 ROSELAND, NJ 07068 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 4.59% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT GROUP | 245 SOUTH STREET MORRISTOWN, NJ 07960 | METLIFE LEGAL PLANS | $794 | — | $794 | 9.07% |
| 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 | 730 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 730 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 899 | $6.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 962 | $428K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 962 | $428K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 730 | $335K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 730 | $335K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 730 | $335K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 730 | $405K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 962 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.