| 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. | $7K | — | $7K | 4.44% |
| EJA/CAPACITY BENEFITS AGENCY, LLC3 Filed as: EJA CAPACITY INSURANCE AGENCY, LLC | 217 US HIGHWAY 130 BORDENTOWN, NJ 085052224 | VISION SERVICE PLAN | $822 | — | $822 | 4.51% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR FL 3 MELVILLE, NY 117474268 | VISION SERVICE PLAN | $459 | — | $459 | 2.52% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENE GENERAL AGENCY | 899 CASSATT ROAD 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | HARTFORD LIFE AND ACCIDENT | $113 | $39 | $152 | 20.27% |
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. | 357 | $162K |
| Vision | VISION SERVICE PLAN | 148 | $18K |
| Stop-loss / reinsurancereinsurance | UNITED STATES FIRE INSURANCE | 146 | $590K |
| Other | HARTFORD LIFE AND ACCIDENT | 66 | $750 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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.