| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NONE | — | BLUE CROSS BLUE SHIELD OF MONATAN | — | — | $0 | 0.00% |
| HERBERT J BOESCHEN3 Filed as: HERBERT L. JAMISON & CO, LLC | 20 COMMERCE DR FL 2 2ND FLOOR CRANFORD, NJ 07016 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| HERBERT J BOESCHEN3 Filed as: HERBERT L. JAMISON & CO, LLC | 20 COMMERCE DR FL 2 2ND FLOOR CRANFORD, NJ 07016 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| HERBERT J BOESCHEN3 Filed as: HERBERT L. JAMISON & CO, LLC | 20 COMMERCE DR FL 2 2ND FLOOR CRANFORD, NJ 07016 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 14.95% |
| HERBERT J BOESCHEN3 Filed as: HERBERT L. JAMISON & CO, LLC | 20 COMMERCE DR FL 2 2ND FLOOR CRANFORD, NJ 07016 | VISION SERVICE PLAN | $758 | — | $758 | 7.13% |
| HERBERT J BOESCHEN3 Filed as: HERBERT L. JAMISON & CO, LLC | 20 COMMERCE DR FL 2 2ND FLOOR CRANFORD, NJ 07016 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 12.08% |
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 | 51 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 51 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MONATAN | 51 | $1.2M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 49 | $59K |
| Vision | VISION SERVICE PLAN | 39 | $11K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 40 | $21K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 59 | $10K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 16 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 59 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.