| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN INSURANCE GROUP LLC3 | 100 QUANNAPOWITT PARKWAY, SUITE 104 WAKEFIELD, MA 01880 | AETNA LIFE INSURANCE CO. | $10K | — | $10K | 5.98% |
| EASTERN INSURANCE GROUP LLC3 | 100 QUANNAPOWITT PARKWAY, SUITE 104 WAKEFIELD, MA 01880 | DELTA DENTAL OF NEW JERSEY, INC. | $3K | — | $3K | 4.06% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF NEW JERSEY, INC. | $256 | — | $256 | 0.33% |
| AON CONSULTING INC3 Filed as: ALLSTATE HEWITT | 1776 AHL DRIVE JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $698 | — | $698 | 3.59% |
| EASTERN INSURANCE GROUP LLC3 | 77 ACCORD PARK DRIVE, UNIT B1 NORWELL, MA 02061 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $581 | — | $581 | 2.99% |
| GETTYSBURG BNFTS ADMIN INC3 | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $612 | — | $612 | 6.76% |
| EASTERN INSURANCE GROUP LLC3 | 77 ACCORD PARK DRIVE, UNIT B1 NORWELL, MA 02061 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $236 | — | $236 | 2.61% |
| GETTYSBURG BNFTS ADMIN INC3 | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $313 | — | $313 | 6.98% |
| EASTERN INSURANCE GROUP LLC3 | 77 ACCORD PARK DRIVE, UNIT B1 NORWELL, MA 02061 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $121 | — | $121 | 2.70% |
| GETTYSBURG BNFTS ADMIN INC3 | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $135 | — | $135 | 3.16% |
| EASTERN INSURANCE GROUP LLC3 | 77 ACCORD PARK DRIVE, UNIT B1 NORWELL, MA 02061 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $48 | — | $48 | 1.12% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | — | $19 | 0.44% |
| GETTYSBURG BNFTS ADMIN INC3 | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $136 | — | $136 | 6.98% |
| EASTERN INSURANCE GROUP LLC3 | 77 ACCORD PARK DRIVE, UNIT B1 NORWELL, MA 02061 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $53 | — | $53 | 2.72% |
| GETTYSBURG BNFTS ADMIN INC3 | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $114 | — | $114 | 7.01% |
| EASTERN INSURANCE GROUP LLC3 | 77 ACCORD PARK DRIVE, UNIT B1 NORWELL, MA 02061 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44 | — | $44 | 2.70% |
| GETTYSBURG BNFTS ADMIN INC3 | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $70 | — | $70 | 7.03% |
| EASTERN INSURANCE GROUP LLC3 | 77 ACCORD PARK DRIVE, UNIT B1 NORWELL, MA 02061 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 2.71% |
| GETTYSBURG BNFTS ADMIN INC3 | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47 | — | $47 | 6.96% |
| EASTERN INSURANCE GROUP LLC3 | 77 ACCORD PARK DRIVE, UNIT B1 NORWELL, MA 02061 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 2.67% |
| GETTYSBURG BNFTS ADMIN INC3 | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42 | — | $42 | 6.99% |
| EASTERN INSURANCE GROUP LLC3 | 77 ACCORD PARK DRIVE, UNIT B1 NORWELL, MA 02061 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 2.66% |
| GETTYSBURG BNFTS ADMIN INC3 | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 3.44% |
| EASTERN INSURANCE GROUP LLC3 | 77 ACCORD PARK DRIVE, UNIT B1 NORWELL, MA 02061 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 1.20% |
| GETTYSBURG BNFTS ADMIN INC3 | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 2.88% |
| EASTERN INSURANCE GROUP LLC3 | 77 ACCORD PARK DRIVE, UNIT B1 NORWELL, MA 02061 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.96% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.77% |
| GETTYSBURG BNFTS ADMIN INC3 | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 2.26% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 1.50% |
| EASTERN INSURANCE GROUP LLC3 | 77 ACCORD PARK DRIVE, UNIT B1 NORWELL, MA 02061 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.75% |
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 | 188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 188 | $77K |
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 51 | $19K |
| Short-term disability(3 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 22 | $12K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 161 | $172K |
| Other(9 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 51 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.