| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EJA/CAPACITY BENEFITS AGENCY, LLC3 Filed as: EJA CAPACITY BENEFITS AGENCY, LLC | 217 ROUTE 130 BORDENTOWN, NJ 08505 | DELTA DENTAL OF NEW JERSEY, INC. | $6K | — | $6K | 4.08% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $7K | $7K | 7.53% |
| EJA/CAPACITY BENEFITS AGENCY, LLC3 Filed as: EJA CAPACITY BENEFITS AGE | 217 US HIGHWAY 130 SUITE 1 BORDENTOWN, NJ 08505 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 6.30% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 7.35% |
| EJA/CAPACITY BENEFITS AGENCY, LLC3 Filed as: EJA CAPACITY BENEFITS AGE | 217 US HIGHWAY 130 SUITE 1 BORDENTOWN, NJ 08505 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 6.16% |
| EJA/CAPACITY BENEFITS AGENCY, LLC3 Filed as: EJA CAPACITY BENEFITS AGE | 217 US HIGHWAY 130 SUITE 1 BORDENTOWN, NJ 08505 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 9.17% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 7.55% |
| EJA/CAPACITY BENEFITS AGENCY, LLC3 Filed as: EJA CAPACITY INSURANCE AGENCY, LLC | 217 US HIGHWAY 130 BORDENTOWN, NJ 08505 | VISION SERVICE PLAN | $1K | — | $1K | 5.79% |
| EJA/CAPACITY BENEFITS AGENCY, LLC3 Filed as: EJA CAPACITY BENEFITS AGE | 217 US HIGHWAY 130 SUITE 1 BORDENTOWN, NJ 08505 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 25.22% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $708 | $613 | $1K | 15.84% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENE CO. | 899 CASSATT ROAD 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | HARTFORD LIFE AND ACCIDENT | $113 | $38 | $151 | 20.13% |
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 | 220 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 349 | $158K |
| Vision | VISION SERVICE PLAN | 146 | $18K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 368 | $67K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 220 | $32K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 220 | $94K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE COMPANY | 142 | $705K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 220 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 368 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.