| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: STRATEGIC BENEFITS GROUP LLC | PO BOX 480 ROSELAND, NJ 07068 | AETNA LIFE INSURANCE CO. | $310K | — | $310K | 4.59% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFITS GROUP LLC | 245 SOUTH ST STE 1 MORRISTOWN, NJ 07960 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | — | $19K | 5.30% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFITS GROUP LLC | PO BOX 480 ROSELAND, NJ 07068 | AETNA LIFE INSURANCE CO | $10K | — | $10K | 13.57% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT GROUP | 245 SOUTH STREET MORRISTOWN, NJ 07960 | METLIFE LEGAL PLANS | $970 | — | $970 | 10.94% |
| 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 | 766 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 776 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 943 | $6.7M |
| Dental | AETNA LIFE INSURANCE CO. | 943 | $6.7M |
| Vision | AETNA LIFE INSURANCE CO. | 943 | $6.7M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 766 | $364K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 766 | $364K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 766 | $364K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 766 | $374K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 943 | — |
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.
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.