| 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. | $3K | — | $3K | 2.21% |
| EPIC3 Filed as: EPIC - COOK MARAN | 40 MARCUS DR 3RD FLOOR MELVILLE, NY 11747 | DELTA DENTAL OF NEW JERSEY, INC. | $2K | — | $2K | 1.30% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 217 US HIGHWAY 130 STE 1 BORDENTOWN, NJ 08505 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 6.12% |
| SAVOY ASSOCIATES3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 4.62% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 217 US HIGHWAY 130 STE 1 BORDENTOWN, NJ 08505 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.33% |
| SAVOY ASSOCIATES3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 4.62% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR FL 3 MELVILLE, NY 117474268 | VISION SERVICE PLAN | $1K | — | $1K | 5.31% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 217 US HIGHWAY 130 STE 1 BORDENTOWN, NJ 08505 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
| SAVOY ASSOCIATES3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $342 | $342 | 4.61% |
| 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 | $4 | $117 | 15.60% |
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 | 219 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 303 | $145K |
| Vision | VISION SERVICE PLAN | 138 | $22K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 217 | $28K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 217 | $59K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 217 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.