| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTHEAST BENEFITS3 | 103 PASSAIC VALLEY ROAD MONTVILLE, NJ 07045 | HORIZON HEALTHCARE SERVICES INC. | $70K | $0 | $70K | 2.42% |
| RICHARDS AND SUMMERS INC.3 | 76 BROADWAY PO BOX 68 DENVILLE, NJ 07834 | DELTA DENTAL OF NJ INC. | $7K | — | $7K | 3.06% |
| 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 NORTH AMERICA INC. | $14K | $824 | $14K | 21.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | 10000 MIDLANTIC DRIVE SUITE 200 MOUNT LAUREL, NJ 08054 | GUARDIAN | $2K | $0 | $2K | 5.17% |
| 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 NORTH AMERICA INC. | $5K | $492 | $5K | 14.08% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $3K | $5K | 16.46% |
| JIM FRENCH3 | 737 BISHOP STREET, SUITE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $658 | $0 | $658 | 2.94% |
| 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 NORTH AMERICA INC. | $3K | $0 | $3K | 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 NORTH AMERICA INC. | $902 | $0 | $902 | 10.01% |
| 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 NORTH AMERICA INC. | $681 | $48 | $729 | 21.40% |
| 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 NORTH AMERICA INC. | $162 | $0 | $162 | 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 | 331 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES INC. | 254 | $2.9M |
| Dental | DELTA DENTAL OF NJ INC. | 563 | $214K |
| Vision | EYE MED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. | 600 | $29K |
| Life insurance(5 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA INC. | 331 | $120K |
| Short-term disability | GUARDIAN | 282 | $45K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA INC. | 147 | $47K |
| Other(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 331 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 600 | — |
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.