| 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. | $8K | — | $8K | 4.95% |
| SAVOY ASSOCIATES3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 5.00% |
| EJA/CAPACITY BENEFITS AGENCY, LLC3 Filed as: EJA/CAPACITY BENEFITS AGE | 217 US HIGHWAY 130 STE 1 BORDENTOWN, NJ 08505 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 4.82% |
| EJA/CAPACITY BENEFITS AGENCY, LLC3 Filed as: EJA/CAPACITY BENEFITS AGE | 217 US HIGHWAY 130 STE 1 BORDENTOWN, NJ 08505 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.37% |
| SAVOY ASSOCIATES3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 5.01% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR FL 3 MELVILLE, NY 117474268 | VISION SERVICE PLAN | $1K | — | $1K | 5.69% |
| EJA/CAPACITY BENEFITS AGENCY, LLC3 Filed as: EJA/CAPACITY BENEFITS AGE | 217 US HIGHWAY 130 STE 1 BORDENTOWN, NJ 08505 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.02% |
| SAVOY ASSOCIATES3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $370 | $370 | 5.00% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GEN AGENTS | 899 CASATT 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 | 217 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 332 | $157K |
| Vision | VISION SERVICE PLAN | 149 | $23K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 220 | $28K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 217 | $86K |
| Stop-loss / reinsurancereinsurance | UNITED STATES FIRE INSURANCE | 145 | $740K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 220 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.