| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTHEAST BENEFITS3 | 103 PASSAIC VALLEY ROAD MONTVILLE, NJ 07045 | HORIZON HEALTHCARE SERVICES INC. | $76K | $0 | $76K | 2.42% |
| RICHARDS AND SUMMERS INC.3 | 76 BROADWAY PO BOX 68 DENVILLE, NJ 07834 | DELTA DENTAL OF NJ INC. | $6K | — | $6K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | C/O BANK OF AMERICA, PO BOX 416315 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF AMERICA INC. | $22K | — | $22K | 20.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | C/O BANK OF AMERICA, PO BOX 416315 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF AMERICA INC. | $6K | $0 | $6K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | 10000 MIDLANTIC DRIVE SUITE 200 MOUNT LAUREL, NJ 08054 | GUARDIAN | $3K | $2K | $4K | 9.91% |
| EMERSON REID LLC3 | 350 5TH AVENUE # 3700 NEW YORK, NY 10118 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $3K | $5K | 18.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | C/O BANK OF AMERICA, PO BOX 416315 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF AMERICA INC. | $1K | $0 | $1K | 20.00% |
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 | 265 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES INC. | 218 | $3.2M |
| Dental | DELTA DENTAL OF NJ INC. | 582 | $216K |
| Vision | EYE MED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. | 534 | $27K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF AMERICA INC. | 237 | $145K |
| Short-term disability | GUARDIAN | 209 | $45K |
| Long-term disability | LIFE INSURANCE COMPANY OF AMERICA INC. | 149 | $57K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 237 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 582 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.