| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PSKW LLC DBA CONNECTIVERX3 | THE CROSSING AT JEFFERESON PARK 200 JEFFERSON PARK WHIPPANY, NJ 07981 | STANDARD INSURANCE COMPANY | $0 | $14K | $14K | 2.68% |
| PSKW LLC DBA CONNECTIVERX3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | STANDARD INSURANCE COMPANY | $0 | $12K | $12K | 3.29% |
| PSKW LLC DBA CONNECTIVERX3 | THE CROSSING AT JEFFERESON PARK 200 JEFFERSON PARK WHIPPANY, NJ 07981 | STANDARD INSURANCE COMPANY | $0 | $4K | $4K | 2.81% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 200 PARK AVE 32ND FL NEW YORK, NY 10166 | VISION SERVICE PLAN | -$2 | $0 | -$2 | -0.00% |
| PROFFESSIONAL GROUP PLANS INC3 Filed as: PROFFESSIONAL GROUP PLANS | 225 WIRELESS BLVD FL 2 HAUPPAUGE, NY 11788 | VISION SERVICE PLAN | -$6 | $0 | -$6 | -0.00% |
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 | 1,669 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 22 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,713 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 2,307 | $740K |
| Vision | VISION SERVICE PLAN | 1,252 | $125K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,699 | $350K |
| Short-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 1,699 | $888K |
| Long-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 1,699 | $499K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,307 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.